Worse case is I'll qualify with 65 or more logged hours and be a better pilot as a result..
That's the spirit! A PPL is a stepping stone along your progress to be a safe and skilled pilot, it is not the end point. Don't be in a rush for a piece of paper, be planned and methodical about gaining and maintaining the skills to be a safe pilot. Along the way of that process, someone will hand you a PPL. Even with that, the learning is still just beginning. Though my fixed wing flight test (1978) is a bit fuzzy in recollection now, my second PPL flight test (helicopter) is more fresh - I learned things that flight! It was just another lesson, with a fellow ticking boxes as I flew it. So don't fixate on the number of hours in your logbook and pieces of paper, but rather your growth in skill. Once you're a few years in, with a larger number of hours, 20 "old" hours won't seem that important for your log anyway, just enjoy the memories!