Nope to the complex time. Save the money, and put it towards multi time.

If you're going to go the route mentioned by bulding mutli in a twin, make sure you get your pvt multi first or you'll be looking for ways to build up to that magic 15 hrs multi PIC for your MEI which will get you to that magic 100 hours multi faster. I have about 60 hours multi, but only 2 of that is PIC so I'll have to come up with some extra cash to do my MEI. Which, as an instructor isn't easy to do...