The 12 hour bit always seemed a waste of time, all pilots need is say a 60 day rule, just to stay current and then say every 2 years one flight with a instructor. Someone can do say 50 hours in the first 12 months and just miss out on the 12 second year.
I would have gone for say a total of 1 hour every 60 days to stay current. And that's all, If out then under the supervision of a instructor to gain the missing hour.
We all knew years ago the 5 hours in 13 months was insufficient, but 6 hours, 1 every two months would have been better.
I often tell my customers better to come down and do a couple of circuits every few weeks to stay current. It's what i did in the 80's when cash was short.