If you really want a PPL, then stop dreaming and screwing around putting time and money into this RC stuff and go for the licence. Otherwise, it's just a pipe dream.

If you do go the PPL route, you'll find that flying an RC model is an entirely different thing.

As for your other expectations of how things work, since you are only speculating due to lack of real world experience, you will likely find that things don't work out that way. And therein the fun and pleasure as you take on the challenge and learn how it really goes. Same thing holds for either the PPL or RC.

Spoken by one who has gone the PPL route many, many years ago, owned and flew his own private aircraft and was and is heavily involved with RC aircraft since before that.