Remember folks, the flying part is easy. It's judgment and experience which kills you or keeps you alive.
My point earlier was that at 400 hours, most of this pilots time was spent earning (and learning - learning and doing - two different things) certificates and ratings with a CFI making the decisions behind a closed mental curtin. Something the sutdent isnt even aware of. As a CFI, one must be a few steps ahead of both the plane and student.
After earning your certs., one needs to go out and fly some x-crty or become a CFI, where you begin to learn how to be a PIC by making the decisions all by yourself because youre the most "experienced" on board.
You don't gain "experience" by flying around a traffic pattern all day. Fying solo XC is the way to gain experience.