Raven, as Shawn said, it's good to see that you're concerned.
Regardless of the legal minimums allowed, everyone has their own.
You should never scoff at someone who won't fly when you are quite
happy to, and likewise don't let someone pesuade you to fly in
conditions that you are not happy with.
Yours are fairly high at the moment, but they will come down as you
gain experience. Have you thought about preparing yourself for the
day when the met man gets it wrong and you find the cloud and viz
getting worse?
On one of those days when you have a solo trip planned and
the weather's too bad, how about taking a trip with an instructor
just around the local area. Get a feel for flying in poor viz and a
lower cloudbase than you are happy with, ready for the day when it
happens, as it surely will one day.