Don't get caught up in the amount of hours you have, especially as someone who envisions the goal of flying recreationally. Since you are not a professional student in perfect geographic area, I feel that 100 hours or more is about right. I have been involved in a 141 school out of Teterboro,NJ. Your surrounding airspace and weather is not exactly the same as TEB, but similar. TEB may be slightly less conducive to blowing through your PPL then San Fran. Even though 141 says that a student could have been eligible for a PPL with 35 hours, it was very unrealistic in our part of the world. Our students with a similar lifestyle to yours averaged 80-100 hours easily. Like others have said, the more you fly the quicker you will finish, but don't get caught up in the rush to finish. Especially for a someone who will be flying recreationally, treat the process of learning to fly as a journey. Good luck.