Fair enough Whirlybird .. I don't know why I didn't pick up on that bit of what you wrote? Tunnel vision I suppose? However, I'm a supporter of PPL/FI argument as I was taught almost exclusively by this type of instructor. In fact the first CPL/FI I came across was during my IMC and he was by far the worst instructor I've ever had! That said, the PPL instructors I had were all payed as that was allowed when I did my licence.
SS