nick wrote:
What's the easiest way for me to fly without commiting to an expensive
school? Can I home study for the FAA test, and then rent a plane for
the 40 hrs. needed?

It's not clear what you are after. Trying to take the easy, fast road
to your private pilot certificate won't help you with much. Sure, you
will then be able to carry passengers and won't have to have an
endorsement to fly solo, etc. Put you won't be able to make money
flying because you'll need more ratings which will cost more time, more
money, more practice, etc.