Why would you want to do it in 3? Go for the 5 hrs and AUTO AUTO AUTO. When you're done that AUTO AUTO AUTO. Add some Max Gross training at decent temps to train you not to panic when the horn goes off and your engine is still running. If it's got Hyd learn to land that thing vertically if you have to. Save an hour for a windy day and land in a confined spot and see how the RPM drops when you lose the wind and you pull too fast. As said above it's all about proficiency. Training is like a Helmet...you will probably only need it ONCE! And if you do, you won't have time to think about it too much.
I'm just a silly Canuck working in the snow right now, but even staying busy/steady at anywhere from 50-100 hrs a month I never turn down training. If you are private I know cost is an issue. But do yourself a favour and suck it up now REALLY REALLY good. Flying is like sex...there's never enough. Training more so!
BWB