As you are based in the Midlands, I picked a Midlands flying school with a fairly comprehensive breakdown of prices. You are quite right, few achieve a PPL in 45 hours so 60-65 is more realistic, you can scale the charges accordingly. Presumably you are not intending to stop flying when you get your PPL so the point at which you actually acheive your licence is not that critical. If you want extra groundschool you may need to price that in but it can be done for the stated prices. You will have landing fees at other airfields where you land away and at some airfields you may have to pay for every landing, not so where these prices are quoted.
The true price will vary between candidates but I think the prices
here are a good guide and will allow you to make further calculations. It is perhaps more relevant that you realise what the additional charges could be and that they do vary from one organisation to another.