Your own confidence and skills are the determining factor in your decision.
12/18/1969, took check ride and passed.
12/18/1969, flew home.
12/18/1969,I took my wife for her first ride in a small plane. The current weather had no clouds at any altitude, and we flew well after sunset. All went well until we flew into a cloud, with stars and ground lights in sight until we entered. 180, and back out. No stress, as the 45 minutes of instrument flight training that I had received was at night, vigorous turbulence. Flew back to the home field, and landed,
12/18/1969, last log book entry total hours, 43 hours and 10 minutes.
1/20/1970, checkout in Cessna 172.
3/26/1970, total hours in log book, start of day, 64 hours, 10 minutes.
3/26/1970, flew to Florida with entire family. We had a great trip, and returned 2 days before the planned date, as weather was predicted to become unsuitable for VFR flight.
Your instructors were different from mine.
Your weather when training was different from mine.
Your personal abilities are different from mine.
Your decision must be different from mine, and related to how comfortable with your own skills stack up.
I had a friend who had over a hundred hours before he soloed, over 200 hours before he tried the check ride, and about 300 before he took up passengers. I agreed with his judgement, without telling him, as he was a very slow learner. I never considered flying withy him, as my non aviation activities with him convinced me that he was inclined to make bad decisions under pressure. On the positive side of this individual, he never flew in any but the best weather.