Thanks for a great post - I am just nearing the end of my PPL A training
here in the UK in a PA28-161 and have all of the same worries that you have,
in fact at the moment the more I learn, the more I question my abilities. I
do think however that if we truly relax or become complacent then we invite
problems upon ourselves.

Why fly when we aren't happy with the circumstances? I work very hard to be
able to afford my training and in fairness, if I don't enjoy it I might as
well tear up £20 notes. So, bearing that in mind I only fly if I feel
comfortable doing so. Surely this way we can derive more from our amazing
pastime and stay on the right side of the killing zone by being reasonable
and honest with ourselves in making decisions that, ultimately, our lives
depend upon. In my opinion a decision to stay on the floor is one that you
can never regret - there will always be another day as good as the last.
That said though, I do greatly enjoy my flying and the sense of liberty and
freedom that I get from it. We are all lucky to be flying and if we display
the responsibility and common-sense that should be synomonous with flying
then only we decide whether or not we come home.