25hrs dual multi????? that just smacks of people being used to fund hours builders and is disgusting.
Way back when I did my twin rating I did the rating and the following weekend took it to Guernsey. Flown quite a few hundred hours in it since without problems.
People, there is nothing difficult about flying a complex or a twin, it just takes common sense. Anybody who tries to convince you otherwise is just trying to build up there own self image!
Stay current and follow the checks like any aircraft and enjoy the flying.
As far as an Instructor being responsible for someone stuffing any rental aircraft it would be a very narrow minded person who punished them. Aircraft get binned all the time. You could make a pilot do a 100hrs duel but it would still not stop them having a lapse or a bad day. Thats the nature of flying!