Thank you Soldier, will do if I have any other thoughts about it.
And aviatorpr, in response to what you said, it's not the instructors that force check rides on me, but it's the school's deadlines and lack of time that's forcing them on me. True, the only FAA check ride I failed yet is the PPL, but we (along with other 141 schools) have periodic stage checks, which are suppository designed to be to a "higher standard" than FAA rides. Out of the last ten stage checks that I have taken, I have failed four of them simply because I was either at or beyond the deadlines to finish training, rushed, didn't take my time, and the rest is history. Along with FAA rides, how hard of a blow will failed 141 stage checks give us?
Keep in mind, if I do decide to stay 141, I'm taking my time and have already started studying for my first instrument stage check (in mid-October if all goes to plan), basically doing all I can to not fail any more of these. But I still have three years of this left, and still have intense deadlines to work with.