I've got to agree with Genghis on this one. I onced asked my insurer, how few hours would I fly before you really worried I was not maintaining my proficiancy. The answer came back "With 6000 hours, we're fine with you flying ten hours a year, but less would concern us. For a less experienced pilot, less than 25 a year is concerning". If an inexperienced pilot is flying once a month, the first 15 minutes of each flight is probably dusting off cobwebs, so the gaining skill is not starting until after that in each flight.
You will find after hundreds of hours in the same class of aircraft, it will become second nature, but then complacency creeps in quickly, and I think that's worse! That's what I'm trying to ward off these days, and it's incideous!
Budget 25 hours a year for your first few hundred hours. If you miss some flights 'cause of weather, that's okay. If you plan to fly consistanty less, you should think carefully about how you will maintain and grow your skills.