Sorry for bringing this one back to the fore after so long, but I haven't been around for ages, and feel I must defend my honour!!
To Tonks, I'm most certainly not ungrateful for the 100 wonderful hours the Queen gave me.
To Steve, I didn't join the Squadron to get a PPL - I walked out of IOT with my head held high, a tear in my eye, and my knees in ruins.
My post was just saying what service flying hours pre-FHT and EFT Groundschool can translate to with JAR. It says that, even with twice as much experience than needed for a PPL, you don't get one automatically. It also says that if you are joining to free load and hour build post PPL, it's pointless because most of it is dual.
Perhaps my

should have been a

.
Indeed, if I hadn't left it two years, I would have been able to complete the PPL in less time too. Let that be a warning to any UAS Studes out there: You might not need a PPL now, but you never know what is round the corner.