I'm just skimming this thread a little.. The OP, you stated you can only have 10 hours of FTD for the instrument rating. Per 61.65 (i)(2) that must be because you will be using an ATD - Aviation Training Device. The FAR regs state that if you're using an FTD it's Allowable up to 30 hours toward the instrument rating with the CFII per 61.65 (h)(1)