Agreed.
You could do 20 dual then 35 solo, but remember you are going for commercial so you'll then need to do another 20 hours plus flying with an instructor to get your autos/confined/pinnacles up to scratch (and to get out of the bad habits you'll have picked up whilst solo all that time!)
So you're looking at 75+ hours
If you get your private (or even - dare i say it - recreational) you can start logging PIC asap - even whilst doing commercial maneuvers with a CFI. Less time solo and more time with CFI = less hours to commercial.