Johnathan,
I never like to bash any flight school but if you read through this forum you’ll see many who have tried to do their training at the local FBO and have found it to be less than ideal (myself included). While it may seem cheaper far too often that turns out not to be the case. The primary reason is most local flight schools simply don’t have the resources to allow you to train with consistency and if you can’t you end up spending much more time than you would otherwise. I recommend you take a look at this list of questions Chris put together to make sure you’re comparing apples to apples: Questions For Any Prospective Flight School
As for the FCC License you’ve got plenty of time since you won’t need it until you’re actually interviewing for a Regional.
Adam