As a side issue, in response to FFF's post.
Sometimes it cannot be helped to fly just the few hours to keep current, due to financial reasons, or whatever. After all, it's a very expensive hobby and I suspect there are a number of people in this situation!
I realise it's not ideal , but if you are a club member and fly so few hours, the likelihood is that you are having quite a number of checkrides with instructors, perhaps moreso than someone who flies solo regularly.
It doesn't necessarily mean you are unsafe if you are a less frequent flyer. The benefit is that it very much prevents bad habits developing. Emergency situations are always thrown into checkrides (or should be) so they are pretty much fresh in mind. Is this the case in regular fliers, where complacency could possibly creep in?