Upside Ok i will get straight to the point . . DONT DO IT IN A COMPLEX you will only land up in one of those publications that the CAA send to flying clubs explaining how some inexperienced pilot stuffs his pride and joy into ground . . . if he is lucky he might get out of it . . if hes not . . he wont. Im you fight sorry you have a load of blokes telling you to buy a Cirrus . . I think for insurance purposes you need 100 hours P1 followed by 6 hours with an instructor learning how to land the bloody thing because of its slippery wing . . before an insurance company will let you solo it. Im not sure how this fits in with a training program or indeed how it fits in with your budget as there are not many newly qualified pilot can afford a 130k aircraft !. Look there many dreamers on this type of forum . . some may even have a pilots licence ! ! !. I passed with very high results and thought i knew everything . . .purchased my own TB9 ,. . and off i went. There followed mag failures, panel melt downs, lowering cloud bases, nasty unexpected cross winds, reducing vis, sunday pilots who spend hours describing their aircraft while you are on short finals without landing clearence. I even had a lost microlite pilot attempting to land on a desinated taxiway that i was holding on. So look there is a reason most clubs insist on 100 hours before considering you for complex training and no it is not just remembering to put the gear down. Most complex aircraft have far more complicated avionics, which for a green pilot can get you well out of your depth . . real quick. One other thing complex aircraft have is the ability to lift weight. So naturally you will be tempted to bring along a lot more people on your trips. People, avionics, navigation, aircraft management will soon add up to a very high work load for a novice pilot. You only have to make one minor mistake . . . and you will . . to scare the of willies out of your passengers. Please . . .get your licence, fly a crappy rental for awhile . . . you will have fun because you can cope. As for me . . i got some hours, got scared, had some real fun and moved up to a complex, twin, night and IMC. bought a Cessna 310 twin and have flown so called complex Arrows, TB20 's, Dutchess's , Cessna310 and 320's all over europe and now fly the wonderful 6 seater Piper Lance and Im still here 2500 PPL hours later and Im still learning.