Whilst I don't disagree with the thrust of your comments
swh it seems a bit odd to me to now to expect you to have done all your ATPL subjects whilst at a grade 3 stage.
In the old days when you have to do them all in one hit (and take a few weeks off work etc) fair enough, but now they can be done at leisure concurrent with employment and the disruption over a 2-3 year period is minimal.
Having an instructor with the subjects would also mean that s/he is more likely to meet the minimums for QF and ****** off quicker meaning costs of hiring a new unknown person increase...
pros and cons!
CS