Whirly,
I take your point about share costs, but I'd got to the stage where I was fed up with doing one hour local trips. I worked out that if I bought a share, the total monthly payments per year were equal to about 6 hours club flying. Or put another way, the years flying budget will buy 10 hours at the club or about 20 in the shared aircraft.
You have probably noticed that I have left out the cost of the share itself, but hey, I don't need a new car yet! And aircraft depreciate less than cars.
I read somewhere that a very high proportion of all PPLs give up at about the 100 hour mark, (which is about where I am), so that is why I went down the share route.