Cost of ATPL in Canada

Per dual flight hour, I spend $400/hr. Per solo, the plane costs $200/hr wet. Assuming 35 dual hours, I've found that the PPL will cost $15,000, and the CPL will cost 150 x $200 = $30,000

All in, the 200 hour CPL minimum seems to cost $45,000, after which the ATPL hours will hopefully be free.

While I know the additional ratings will require more training and a couple thousand more, this is far off from the ~$100,000 figure I see people throwing around, and further from the $125,000 that I see frozen ATPL integrated programs charging.

Am I missing something obvious that I'm failing to budget?