Good points drpixie.
I always remember flying the Ballarat NDB approach one dirty night (when the NDB was still there). No RMI, raw ADF. Didn't get visual, but I could see the glow of the city lights through the cloud! Really drives home just how close you are to obstacles in IMC. Some towers in the area are only a few hundred feet below, and being above sea level altitude and height are not nice round numbers. I really flew the tracks and numbers and was double checking. Extra vigilance that night. No room for errors!