FTO is a European term. Anyhow, in the US, my instrument rating took 35 hours. I did it part 141 and completed it in the minimum time. I also did my commercial certificate part 141 and I did the course in 120 hours (minimum time) and total time was 230. I had 75 hours when I started my instrument rating. Multi add on was a few hours more, don't know exactly how many but less than 15. I also have an EASA commercial license and I needed 10 hours for the commercial single and did the commercial multi and IR in the minimum time advertised by the school. Totally doable but you have to be very focused. There are also plenty of people who can't come anywhere near the minimums but it's possible for many.