Consider the conditions at which you will do a precautionary landing - on the best available ground, not a diversion to an airfield. Then don't get into that situation. Without good instruments and currency a precautionary landing is better than going into IMC.
Consider how close to cloud you will go. Cloud can engulf you.
I have very little experience of flatland flying, and hills help you see changes in cloudbase near you. I'd require a higher cloudbase over flatland.