Yeah I put insurance in quotes for a reason.....
I have yet to see an Insurance policy that requires 28 day checkouts. I have however seen lots of flying schools who require a club checkout every 28 days and hide behind insurance as the reason. I have asked ALL of the insurance syndicates (off which there are less than 5) for a status on this and they all said the same thing, they just expect the pilot to be legal in accordance with the terms of his licence.
As far as who logs what, I was not debating that with you, I quite clearly stated what I do and threw it open to the floor.
Back to you......