Just an observation but it looks like you have based your calculations on getting through in minimum hours. I would say that is highly unlikely. In fact I will stick my neck out and say that there are any number of schools that use the CAA/ICAO minimums as just that. Any number of other factors such as the weather, airport/airway closures, navaid outages etc can all transpire against you and force you to go over hours. That is even before considering repeats during training or come test time.
From memory I think I went about 4 hours over on the CPL/IR. Gets expensive when your in a twin for both courses I can assure you. This was at a very reputable school down in Bournemouth and just about everyone that was there at the time went over. Some ended up effectively doing the course twice over but that is an aside and shouldn't be seen as the norm
