that's correct, you have to come back to the USA and do the flight skill in a JAA country.
again 10 hours in Europe is a minimum. I think it will be around 15-20 hours in a twin at 350-400 pounds/h.They are a pain in the butt with NDB hold and track and most students struggle with that.
and the test is very expensive which ad a certain level of stress during the skill test.