The problem I have come up against in the past with the 90 day rule (day time), is that I tend to fly only 2 'sectors' every trip. As my trips are generally timed to stay within my club's insurance rule of flying every 60 days, it is possible to end up with only 2 take offs / landings within the last 90 days
Then not only are you outside the 90-day rule but I would suggest you are only marginally current. You might well meet the club minima, but are you actually in recent practice?
I had a group member who did the same as you, but his airmanship showed a massive deterioration over time.