MASc: Master of Applied Science. But yes, essentially an MS. I am alone.What is MASc? You mean MSc? Yes, 45k is good funding. Are you alone or with family?
I am also fairly old, I started my PhD at the age of 34.
I think 470 is a competitive score although for the first couple of draws when FSW opens it might be slightly higher but i expect it to settle back at pre pandemic levels i.e. around 470. Although if you are around 470 and are close to losing points for age, then the score might not remain competitive.
At my current age (33), and 8777 IELTS score, I have 477 CRS. If I improve IELTS, I can go beyond 480. If I max out IELTS, I have 484.
Perhaps Human Capital PNP is a good idea in this case?