Having recently discussed this topic with a very well respected CAA examiner and instructor examiner, he made it clear that the requirements for training are a suggestion, and that the training required and plan thereafter, are at the discretion of the Head of Training of the ATO.
Before panicking about losing ratings, I would therefore talk to the CAA and training providers. (It would be interesting to see the answer you get from each one!)
Also, the reason for sticking the expired rating on the back, is another CAA money generating technique to get you to pay and issue you with a new piece of paper!