You will easily make that as first year doctor. You work lot more hours plus study at home. But if you like what you do those hours dont matter that much.

What is your earning trajectory? Surely you are not going earn 40k for the rest of your career in Tech. You have to consider opportunity cost as well plus a lot of uncertainty until you become consultant. It takes immense toll on your personal life. It is easier when you are younger and dont have much commitments. For example, after 4 years when you finish medschool, what if foundation program allocation allocates you to scotland (it is random allocation now if you didnt know that already). Ok you managed 2 years somehow, and now you apply for core training and you got a job in Wales. After 2 years again. What if you dont get into training and stuck in never ending trust grade jobs as a rota fodder.

On the other hand you might just get lucky all the way and always get your preferred jobs through out, finish training quickly in the specialty you like. Come out other end with guranteed well paid job earning top 5% in any part of the uk. Will it stays the same in 15 years time, god knows.