My perspective:

I have yet to solo.

I have 5 hours under my belt and in my logbook, starting with no prior
experience.
I've done everything the FAA wants at least once (except land the
plane).
My CFI tells me I'll solo by 10.

I'm about 50, I'm having fun, and I see no reason to push it faster
than I can handle it. It's all confidence and practice (aside from the
money).

Fred