KCDW - Yes, I certainly agree that leaning is not something that has to be bothered with during primary instruction, when the student is already overwhelmed with other, more important matters. Now that you are more advanced, hopefully your instructor will be open to teaching you leaning procedures . If not, well, you know what to do.
Bookworm: good points. Personally I almost always cruise at 65% (I'm not going to get anywhere fast in the aircraft I fly, so why not?!).