Thanks for all of the help!

What I'm getting out of this and with talks with a private instructor is:

1- I need dual time to get qualled both for XC and for the checkride in general.

2- I'll need at least 6 hours dual for both of this

3- I'll need to do solo XC - PIC for the 5 hour reqs.

4- Pilot training (97 hrs!) covers the rest of the stuff- night, hours etc.

5- Regardless of the 20 hr dual req, I have 18 hrs from screening program, and I'll have the 6 above (1).

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I was hoping I could just do a warm-up, checkride, and written test for my PPL, but it looks like it will cost me around $1500 and will still take roughly 11 hours more + exams.

I'm not complaining- hey, I did get washed out!

Regarding instrument rating, I'm planning (hoping) to cross-train into RPAs, and I'll get the instrument rating in the course of that.

Thanks for all the help again!