I often find that people can read back the reg but don´t know how it applies. Is what it comes down, with reference only to the instrument requirements, if you have been out of currency for more than 6 monthes an IPC is required, if you have been out of currency for less than 6 monthes than you have the opportunity to get yourself current ie safety pilot or sim/FTD.
For example:
You get your IR today, you have until Dec 31 to fly 6 instrument approaches, hold and intercept and track because come Jan 1 you are no longer current. You have until June 30 to get yourself current, that again 6 instrument approaches, holding, and tracking and intercepting with a safety pilot or in a sim/FTM. Anytime on or after July 1 an IPC is required, assuming you didn´t get current from Jan 1 until present.
hopefully that makes sense and doesn´t add to the confusion.
I think there's a problem with trying to "simplify" it that way.
So here's a scenario - based on yours.
You get your IR today. On November 2 you are on an IFR flight and do two countable approaches and a hold. On December 5 you are on an IFR flight and get another approach in. On February 15, 2008 you go up with a buddy as safety pilot and fly three under the hood. It's now April 30 and you want to fly on an IFR flight plan. Are you current.
The reg says that in order to be current you had to
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within the preceding 6 calendar months.."
...performed and logged under actual or simulated instrument conditions -
(i) At least six instrument approaches;
(ii) Holding procedures; and
(iii) Intercepting and tracking courses through the use of navigation systems.
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So you look back those 6 calendar months (the same type of months that apply to everything from your flight review to most aircraft inspections) and say, "Now it's April. Six months ago it was November." You go to last November in your logbook and start counting. Yep. I'm current.
I never quite understood what was hard about counting backwards to six. And I'm not sure how you would analyze it with your alternative.