I think maybe you are misunderstanding. Being bim capable as a small practice is not about lots of expensive programs. It may mean phasing out some systems you have for alternative ones. The argument is like the time cad came in instead of the drawing board. Now it is 3d packages which can assist others down the line from your input in using the data in a BIM way if you like. A project being BIM may mean you draw in 3d no more and feed into others who provide further data into a model.
Comment on: Rock solid performer
Bruce interesting that you think the debts being incurred are no problem. Likely you have modest outgoings being 'long in the tooth', a settled family home, maybe grown up kids or no kids. Try researching the types of salaries geotechs get and compare that to cost of living, house prices and deposits, childcare, travel costs and then think if its no bother. This is the one issue that to me will stunt applications to our industries. At least from the brighest who have other, better rewarded options.
Comment on: Best practice can save £750bn a year
Comment on: Arup welcomes 2012 graduates
its a shame that NCE could not go looking for equally worthy smaller employers.