@RoadRunner - WARNING: Another "newbie" opinion from someone who just received my official PPL from the FAA about 2 weeks ago.
I had to switch CFI's and it sucked. I'll spare the details other than it was a partial reset as you can't blame CFI#2 for needing to be sure. I will say it was also a blow to the pride thinking I'd finish in 75 or 80 hours and it took around 100. And doing that checkride at -8F was not at all fun. Even the plane hated me and kept giving me the finger when I tried to lean it
So what I did was switch to a new mode. I told myself this needs to get done. If not it can drag on forever (as you no doubt now feel). I also told my new instructor that I am looking for someone to help me earn this, that I feel ready and flying obviously wasn't all the fun lately. Fortunately, he said: "We'll make it fun again and get you done."
In hindsight we really didn't do that many flights together. But when we did they were rather long flights often close to 2hrs and maybe a bit more. He had me work slowflight way closer to actual stall than CFI#1. We knocked out a whole bunch of airports. I think I was at around 20 airports before the checkride. With the exception of KANE, I had hit every airport around the twin cities and many more on my cross countries. He offered to give me a night endorsement as it was November/December. I declined as I thought why risk it for either of us. On the last two flights we basically did the ACS checkride portion. I think I might have failed the first one. The second one I probably would have passed.
Then my instructor got sick. Two choices...sit and wait...or practice.
So I printed out a condensed version of the ACS and flew what I imagined the checkride to be. I started with a cross country, diverted, did hood time (JOKE!), did stalls, slow flight, engine out, VOR's, specialty landings & takeoffs, taking to FSS, etc. Each of those flights was like 2hrs. I think I would have failed the first but I knew I would have kicked butt on the second
I called my CFI, he was feeling good enough to come out and endorse me. Checkride (oral and flying) went awesome.
CFI#1 taught me how to fly and he was darn good at it. CFI#2 loves to fly and wanted to see me finish and fly. He knew that experiencing lots of airports, lots of emergencies, etc would really prepare me. He was right. In the end though I think it was me...not me waiting on the system...that made it happen. Those couple of long quiet solo flights doing the ACS checklist were what made me confident.
And I was also thrown something I had not done. For the short field landing, neither instructor had me do a short field with a 50' obstacle at the end of runway. I managed it, that part felt awesome.
You are so close. Unless there is something you are not sharing (nothing right?) then increase your solo hours a bit. Rent the plane and go fly the ACS 2 or 3 times. Do it all, don't cut corners. Don't be surprised if you fly for 2+hrs. It will be working up your endurance. Have a CFI just ride along and evaluate after the 2nd one. Fly at least 2 or 3 times in a week. You will prevail and be done
PS. We're pretty close in age and probably close in how busy we are at work and family.
PPS. I wouldn't recommend buying a plane just to complete this, it could turn into a many weeks long distraction.