KF5OVP- Is your name Eric? Is KF5OVP a ham radio Callsign issued to you by the FCC? If so, it's not an anonymous screen name.

Recommend that you heed the advice given by several other posters and at least consider reporting this to the NTSB. Failure to report ( if it is required per NTSB 830,) is definitely not recommended.

Playing the "what if" game with the aircraft owner/flight school is not a good use of your time. You have no control over what the other parties will or will not do.

You paid a lot of money to earn your certificate. Think about what you need to do to keep your pilot certificate in your pocket!

I would also recommend spending some time this weekend writing a written statement about the event. Include details such as final approach speed, descent rate, wind speed, anything you remember. Keep it to yourself, but have it available just in case it is requested by either an investigative agency OR insurance company. The more time passes since the incident, the less you will remember.

Highly recommend you sign up with AOPA Legal plan. Well worth the extra piece of mind.

Lastly, I am glad that nobody got hurt. That is what is most important here.

V/R