I think the legal minima are woefully inadequate, it's not appropriate to go by those limits.
The aircraft insurers may have requirements.
I recommend flying fortnightly- even if only for 15 minutes. And use an instructor fairly often to look for weak spots.
Interestingly my life insurers are happy with 100 hours per year, or more. They are not happy with 50. I think there's a message in that.
. .Stay safe! <img src="smile.gif" border="0">