I used to instruct there, you will probably find that you won't need all of the time, but if you are unsure, definately go will the higher time program. Some of the pilots I instructed, needed the higher time program but didn't want to pay the extra cash, and I had a couple of failures. Now they had no choice but to pay the DPE again, and get more flight time. I flew with alot of military guys and alot of them had never flown a piston let alone a light twin. The more comfortable you are during the checkride, the easier it goes for both you and the instructor.