Certainly as has been said the conversion isn’t always the cheapest route. The U.K. CAA have guidelines “for training as required” or credit and low hours Conversions usually only qualify for about 7 hours credit - can’t remember the exact numbers but they’re in CAP804.
From experience, most low hours students coming back to convert are rarely ready - yeah they can fly a aeroplane but it’s all the associated “command” decisions on the spot and local procedures that cause issues.