Hours do not a pilot make - I've flown with people with 200 hours with whom I would trust anything and people with 17000 with whom I would trust nothing.
Neither does the type of licence - in the essentials, they are just the same. I don't teach someone half of dynamic rollover just because they're doing a PPL!
Certainly get an instructor who has been out in the real world and can teach you good habits right from the start. But it's a fair point that a CPL may help with insurance companies, but they don't live in the real world either. It's not a lot of extra work.