I think you will find that there are lot of 12-20 hours p.a.PPL types out there!Even with a fairly well paid full time job,professional qualififcation etc,it is not easy to maintain a higher rate no matter how much you yearn for it.Apart from some quite wealthy types at my base,12-20 was considered good going especially as the WX in Manchester does not always behave when you have a booking.
Some may say you are hardly profficient at this level of activity,not me as long as you are careful.My base insisted on 1 a month minimum although I did once leave it 3 months and they subjected me to a full 90 minutes of cross wind landings at Liverpool,right on PA-28 limits too.Funny how you cope too with an an instructor sitting there quietly chuckling.I wouldn't have flown on my own that day.My personal X-wind limit was rather lower than the books!