I just got mine. I had about 38 hrs of PIC XC when I started and ended up having to make up an extra 3 hours of XC. I'd get 41 or so and look for a place that has one of the cheap sims that gets you 10 hours as long as you're with a CFII.

While you'll have no problem finding someone to share time with you to do some approaches at a far off airport, the fact is you don't learn much on those hours spent following a radial to your destination. I think I got a grand total of 3 hours of combo XC and instrument with some buddies (not including the long XC which nets you 5 - 8 hours) and needed the other 37 with an instructor to make sure I knew my stuff and doing all the approaches I'd possibly see on my test. Might be different if you live somewhere where your choices of approaches are limited...

It takes about 1.5 - 2.5 hours of flying to do 3 approaches in a busy environment so it adds up quick, not leaving much time to drone to a far off airport if you want to be done after 40.