My observation is that by far the greatest factor in proficiency is
frequency of flight, regardless of whether the plane is owned or
rented.

Amen, brother. The worst pilot I know owns several planes.

Not surprisingly, he rarely flies. When he does -- look out below (and
above!)...
--
Jay Honeck
Iowa City, IA
Pathfinder N56993
www.AlexisParkInn.com
"Your Aviation Destination"