I appreciate the input guys. I agree that student solo is PIC, but it's just not worth the hassle if it's even 5% debatable. Sounds like this is a reasonable conservative verdict for an Air Force heavy guy (student time added)...
PIC = EP+IP+MP primary+MP secondary
SIC = Copilot Primary + Copilot Secondary
TOTAL time = PIC+SIC+UPT student time
PIC = EP+IP+MP primary+MP secondary
SIC = Copilot Primary + Copilot Secondary
TOTAL time = PIC+SIC+UPT student time
