Interesting one this.
I am almost retired,have a share in an aircraft that is near home and available almost whenever I want it.
Do not have any other committements apart from all the things I like doing besides flying.
Wife totally understanding,money side is OK.
BUT
I only fly 20-30 hours a year,would probably like to do a bit more ,say 50 hrs,but weather and other things sometimes get in the way.
I'm happy with this.
I had my bi-ennial yesterday in borderline VFR conditions,the GPS fell off it's bracket,landed on the rear shelf so no danger,but it certainly sharpened up my nav,or lack of it.
The instructor sat in the front,so could not see compass or balance ball,but could see speed and rpm.
Did steep turns and stalls OK,45 degree turns,probabaly the limit with 65 hp.
Did the worst landing in 4 yrs,but I've not had a passenger in 4 years,it showed up in poor performance,me and Cub
I reckon for lowish hours pilots the odd trip with an instructor would not be a bad thing.
Lister