Wanted to add a few things
1-2nd segment climb frequently but not always most limiting. If it was always most limiting we wouldn't have to worry about the other segments. Ensuring obstacles are cleared has a huge impact on how much we can weigh at take off and during climb out. And for 121 and 135 we have to clear obstacles with an engine inop. We are used to our performance with all engines operating which distorts our perception of what level of experience we anticipate during a departure. Further muddying the water is our inability to anticipate the impact of obstacles. I say this from a mental picture and not having access to tools that predict and illustrate the impact of obstacles. Go look at your AFM, does it have any tools for predicting obstacle clearance?
2-Do you believe that you do not need to follow departure procedures in VMC? If so you may be a fool! Depending on circumstances you may see an obstacle but not have sufficient performance to miss it!
3-Why do pilots love to quote TERPS? It tells us how airspace is designed and only that. Yes some criteria are flight tested but your airplane is not tested or verified to conform to TERPS. Think of it like a highway, There are tons of federal and state laws governing width, slope, construction techniques etc. But you as a driver choose how fast to drive, your driving manner (aggressive, road hog, tailgater, etc).
4-We should approach things with equal concern to be legal, safe, and smart. You can be legal but unsafe and stupid! Part 91 is full of this! Can I take off from an airport when the weather is below minimums for all approaches serving that facility? Yes! Are we legal, yes. Are we safe or smart no way!
Everyone have a great tomorrow!
ATPJon