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This. Most schools I used had a worthwhile discount for block rates which started at $1,000. That a low enough number to lose, so I'd pay in blocks of $1K and re-up when I hit 0. (And it made checking out easier, not waiting around to pay every time.) No reason to ever give more at once...

I don't think its necessary...but I also think my acro/spin flights and actual IMC flight during PP training were exceptionally instructive. Especially if the acro/spin work is used to show real world stuff -- how skidding final spins/impossible turns/etc actually happen, at altitude. Similar...