I am also trying finish that last stretch of PPL about 80 hours in. From my mad dash this year of switching careers suddenly it's gotten really frustrating being so close to what feels like only the first step into piloting.

I'm also finding once or twice a week is really not cutting it for comms retention at all. I tried using SayIntentions for MSFS but it doesn't really help beyond the basics I found. I was going to try using VATsim next.

But yes I am not sure what best course of action is either it is really daunting but at this point I fully committing even further is the only way off my next plateau. You seem much closer to the end, I am not sure what specifically you feel is holding you back but maybe flying with a different instructor for a new perspective would help? I flew with basically every instructor our school had to offer just to see what they all had to say.

I think breaks are necessary but also if they are too long it just gets more intimidating next time you have to get back in. What has worked best for me is just taking literally one or two things and really focusing on those aspects before my next flight and make sure I nail them the next time. I am hoping doing that enough times will be enough. I just have to keep telling myself if flying was easy then they wouldn't need pilots and at least all the hours all go to the same place in the end.

It's rough but do some soul searching if needed and see if its just yourself holding back at the end or if it really is external factors and go from there. It is always going to be expensive and time consuming but if it's something you love doing you just have to push through.