If a PPL holder has more hours than his instructor what purpose does this serve?
Often it is the pilot with lots of experience that has picked up bad habits along the way so it helps there. Anyway you can always use that hour for something new - Aeros,formation etc. no need for it just to be the "GFT" style trip.
Another point I like to make here is that if you can afford to fly enough hours that you do not need a check flight then you can afford the extra hour for that flight - if you do not do that many hours then you
need the hour with an instructor.