I would not advise to send your passport back to UK, unless you have a second one, and even then it is difficult to get the passport back into India.
It would be much safer, and apparently cheaper (compared to the 8K pounds) to fly to UK for the Pakistan visa. Yes it is crazy like that.
We had a nice time in Pakistan, but it is a bit rough, and I would recommend not to travel alone as a woman, even though it might not be an issue. (I know two women who drive through with their car, didn't have too much issues except for "but where is your husband?")
Maybe you can find a group that is going from Nepal to Kirghistan? If there would be such a group? But then you would be able to share costs.
That is assuming Nepal-China border is open now and you can find other people (try posting in Travellers seekings travellers section.
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