Yet again, bookworm said it before I could. But there's an interesting psychological thing about unforecast bad weather. I find - and I'm sure I'm not unique - that there's a part of me that just can't quite believe it. How can that be low cloud, when the forecast said it would be CAVOK? I know that cloud's getting lower and lower and it's starting to drizzle, and I know that means an approaching warm front, but it can't be; it isn't due for several hours yet. There can't be many thunderstorms, it was only a PROB30 in the TAFs. You have to remind yourself - and remind co-pilots sometimes - to look at reality, no matter what the forecast said. Me, I've been there, done that, been caught out...unplanned overnight in Blackpool due to a line of thunderstorms from Liverpool to Leeds, when the TAF said PROB30 TS.
So now, I always assume things might go wrong. I make sure I have alternates, plus enough fuel to get to them or to get home. I have a handheld radio, as sod's law says the radio will probably pick the bad weather day to fail, when you really need help. And I try to make sure I have nothing urgent to do the next day, if I'm going on a cross country flight.
Am I a nervous pilot? Probably. But I prefer to say I'm prudent. Far more than I was when I had less hours.