@HoYea: With a PPL-Ticket fresh of the press, you are not a save pilot. As my examiner said, it is a license to learn. The CPL with it's higher standards, gives you an additional step up and a sense of accomplishment. The training is helpful. The additional theory that you would not need is just that part, what a commercial pilot can do or not. Everything else makes you a better pilot. As a private pilot, you will never get the same additional training a commercial pilot would get, because most instructors will be a bit more easy on you, because you have not trained to higher standards.
And you can tell yourself a thousand times you cherish your life. Every single pilot out there does that. And the single thing that will prevent you to be a statistic, is training. There is never too much of it.