One factor if you do go down that route, there is no longer someone looking over your shoulder. Learning experiences (aka mistakes) come thick and fast. Eventually you become your own FI / Mentor / Conscience.
I like that. I'm still renting though
There's a danger in becoming over dependent on instructors. There was a recent accident that could be attributed to this.
Let's see - what did I learn on my last flight?
- how flight plans work for real. Make sure it's closed - don't assume your destination ATC is going to do it for you.
- what advection fog looks like on the English Channel
- how to take off smoothly in a Cessna 152 (according to the POH raise the nose at 50 knts)
- be sure you are doing the "A" check on the correct aircraft!
- what nice people London Inf are.
- check your fuel visually before every take off even if you have only been flying for an hour (thankfully I did - both tanks were nearly empty!)