Haha, I had a PPL, IRR, and MEP many years ago and let them lapse. To be blunt, flying small a/c is boring af and nowadays expensive af too.
I wish I had learnt PPL (H) instead but that is now even more expensive af.
Insurance for doing anything interesting, since the Shoreham crash is astronomical in the UK. I know a Senior BA Captain who cannot now get reasonable insurance to fly a Yak ffs.