For the CPL, it might be worth looking at going abroad. I'm going to Florida to mine for exactly that reason.
For the IR, it's less of an issue. As you say, some can be done in the sim, but much of it can be done in IMC too. In winter, icing will be an issue, but in spring/summer/autumn I'd guess there isn't very much that can make a day non-flyable for an IR lesson (CBs, strong winds and fog maybe).
FFF
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