Another way to look at it is if it's been more than 6 months since you were last current, you need an IPC.
Prometheus At AOPA:
And by the way, the FAA has simplified currency maintenance by allowing the use of simulators. Reference 61.57(c)(2). Although it is never as good as actual flight, it is an excellent alternative and has many benefits.
Agreed. Just remember it has to be an FAA-approved flight simulation device, and they aren't cheap -- $5500 and up. But the good news is that the FAA deleted the requirement for an instructor to be present in order to log it for recent experience requirements.