The flight simulator itself is absolutely a learning tool that helps me save time and money.
I use it a lot to familiarize myself with aircraft configurations, cockpit layouts and handling characteristics and procedures in advance of engaging an aircraft in practical flying.
For example, the use of FS shortened my transition to technically advanced aircraft like the Cirrus glass cockpit environment, enabling me to fly both the Avidyne Entegra and Garmin G1000 Perspective cockpits comfortably.
My experience shows that using the FS brings substantial benefits and would advice anyone engaging in aircraft flying to use the FS as part of their tool set to reduce flight envelope risks and costs.
WP