If I can add my two-penn'orth.
It is IMHO a GOOD THING for the required amount of training in order to achieve a rating or indeed a licence to be kept to the minimum. The level of training should be that which is necessary to demonstrate that you are safe enough to be let loose on your own, not necessarily a level that demonstrates a high degree of competency.
If you are safe enough to be let loose on your own you will have a keen sense of when it is not sensible to do something, even though it may well be entirely legal and within the privileges of your license and ratings.
Unfortunately we seem to have rather too many people concentrating on what is legal rather than what is sensible.