Here is a little secret: There will never be an investigation into your PIC time unless you have an accident or are bragging to your buddies at the bar about how you cheated on PIC time.
I had peers at the same airline who ended up getting way more instrument time than me. After a while I figured out that they were a lot more liberal in their counting of instrument hours than I was.
Unfortunately, insurance companies now dictate what planes we can fly, when we can fly them, and what kind of future you will have.
If I had a nickle for every dumb insurance hour requirement I saw, I would be a millionaire.