FFF - totally agree!
One of the greatest pleasures for the essentially VFR pilot is to get on top of a shallow overcast and enjoy the clear air and blue sky above!
You cant legally do that without an IMC so take the test and keep it current.
In terms of keeping it current its going to cost you around £100 to do the 25 monthly renewal BUT you have got to do a bi annual flight with an instructor anyway for which the IMC renewal also qualifies AND even if you dont use the IMC much in the meantime it does give you a potentially vital refresher of flying on instruments in case it happens unexpectedly, which you will not otherwise get. You will know you are not up to a long flight in IMC or an approach to minimium and will be wise enough not to use the rating in earnest.