if the instructor is offering this, (s)he is not doing you any favor, you have to cut the umbilical cord at some point and the sooner you do it the better a pilot you're going to be. I understand you might have some confidence issues, I was having the same issues myself. But the only way to get through them is to go out and fly. Take another student with you if you feel like it but leave your instructor at home!
assuming you are a modular student, to issue you a CPL you will need 100 PIC hours. You will not be doing any PIC flying during your CPL course so really you will need to walk into your CPL course with 100 PIC hours under your belt already. If you are paying your FI to come with you, you are not gaining PIC hours.. chances are FI will log these hours without even telling you and sooner or later you might get into trouble!