I pretty much always fly in IMC that way. Generally I try to get on top and enjoy the sunshine. If a RIS is available I will always use it but otherwise I am happy to be master of my own destiny!!!
I had one near miss a year or so ago when flying quadrantal rules had someone come close enough to see them in the wispy stuff but otherwise trouble free!
I tend to feel safer in cloud as your average PPL will not be flying in it and those that are able to are generally savvy enough to follow the rules.