Just my two cents...I spent a few years doing formal aircrew instruction in my Air Force career. In that environment, you had a different flight instructor just about every ride and never had more than three flights in a row with the same instructor. This forced the student to bring their best airmanship game every time as a failure to progress could easily end a career before it ever started.
It sounds like you've done most, if not all your training with the same CFI. This type of relationship can prevent the instructor from identifying and working on your weak areas, hence the pre-check from a different CFI. I view the pre-check as a grade of the CFI, not the student.
Now, you also need to be comfortable with other CFIs who you may not necessarily want to fly with, but have to for one reason or another. If you can't handle a stranger in the plane telling you what to during the course of a flight, then you're not ready for the check ride.
One question: do you have a problem following ATC instructions on XCs?
Sent from my iPad using Tapatalk
It sounds like you've done most, if not all your training with the same CFI. This type of relationship can prevent the instructor from identifying and working on your weak areas, hence the pre-check from a different CFI. I view the pre-check as a grade of the CFI, not the student.
Now, you also need to be comfortable with other CFIs who you may not necessarily want to fly with, but have to for one reason or another. If you can't handle a stranger in the plane telling you what to during the course of a flight, then you're not ready for the check ride.
One question: do you have a problem following ATC instructions on XCs?
Sent from my iPad using Tapatalk
And I can't claim credit for being profound -- that's just an expression I've heard. But I will say this, which I think is original, since I just thought of it in the context of your situation: How much more satisfying will it be to say, even if you don't fly a lot after getting your certificate, "I AM a pilot," rather than "I USED TO BE a student pilot." You will definitely not regret finishing and getting your certificate, no matter what you do with it afterward. Hopefully you will still be motivated and financially able to fly. But even if not, who cares: you will have done what so few people have been able to, and it will mean a lot to you! 

Way to go, pilot!