Next steps from level 3

Hi all!

I've been wondering where to go once I've completed my level 3, and considering which path might be best:
ACCA is a global recognised body, and there is a huge amount of free and paid material out there to help with revision and exams, and the fees are quite reasonable, as all students pay the same subscription fee, regardless of academic level. There is no requirement to be employed by an approved employer, nor do you have to study with an approved learning provider, if you wish to self-study and save some money.
ICAEW's ACA qualification, though, is considered the Gold Standard of accounting, earning the prestigious title of "Chartered Accountant", and opposed to ACCA's "Certified Accountant". However, you must be employed by an approved employer to complete the qualification, however, this also helps to gain the 3 years work experience that both qualifications (ultimately) require.

No matter which way I look at it, though, it looks like I'll be going on to AAT level 4 first - both ACCA and ICAEW offer exemptions for some of the first exams, and being able to study under the same tutors I've had for the last 2 years will also be less of a pressure.
Whilst I initially thought that AAT was a more expensive option - the registration for level 4 alone is £225, plus tuition, textbooks, stationery & travel, there are some benefits; When you complete the level 3, you can then apply for the AATQB membership, which comes with the added benefit that if you then go on to apply for the level 4, you receive a discount on the price of the level 4 registration equivalent to the cost of the AATQB - Essentially, you're getting 1 year's free membership with professional letters after your name, but if you decide to study through a college, you have the option of funding the cost of the course through a student loan, helping to spread the cost.
Whilst there are online providers offering some payment plans for the ACCA qualification, it is entirely self-funded, as no (means-tested) student loans are available for further, accredited learning - Which is why accountants charge so much!

What are everyone else's views on the subjects?