Good reply TP. I basically agree on all points.
If I may add, the budgeting thing is difficult to calculate. We hemorrhaged money for the first 2 years on an F/O's wage despite my spreadsheets that said we should be saving. You just seem to spend more money than you plan on making you life here like home. Things like landscaping, furniture and traveling back home.
I also totally agree that Cathay is the much preferred employer, although it needn't be so and personally I’d much rather live in Dubai than Hong Kong. However, not only does Cathay pay better, but also they have a seniority system that is respected. You’re really taking a gamble at EK in that respect.