Penguina
Every private pilot should develop their own "GO, NO GO" criteria prior to any flight, this is common sense that could, and probably will one day save your life.
Don't feel like a chicken because you opted not to go flying, you made a decision based upon your feelings, experience, and the weather, I say you made a good step toward being a "OLD PILOT" versus a "Bold Pilot" (of which there are few of).
To help improve your experience try getting more dual time with an instructor or another pilot that holds instrument ratings. You can never train too much for the what if's.
Mike
NATCA FWA