Solo time from when you're doing your PPL counts (provided it's x-country). I just dug up my old log book to confirm. Turns out I had 91.6 hours flight time when I took my IFR checkride - plus 10 hours of FTD time. My memory must be getting hazy. When I took my PPL checkride I had 11.3 hours of solo x-country and a large percentage of my IFR training flights where done x-country (and dual received counts as PIC for that purpose, when you are qualified on the aircraft).

So, I apologize for suggesting 80 hours is realistic. But it probably could be done. At any rate, 91 hours is still a lot less than 200.