Ojuka - not in the UK. Here a plain PPL has to be in sight of the surface regardless.
Re the other opinions - I am not sure I agree there is a minimum hole size. Is there a minimum cloud clearance requirement while climbing or descending?
On the more general point (that people shouldn't try to get around rules) I think a better way to see it is that there are rules saying what one CANNOT do, and everything else one CAN do. People like the word "loophole" but there is no such thing. If something isn't explicitly illegal then it is legal.
We pilots already face a vast quantity of restrictions, many of them so complex or arcane that almost nobody can remember them (how many instructors know how the SVFR visibility rules change from a PPL to a PPL+IMCR??) so let's not get bogged down in inventing some more.
None of this matters unless you are being closely followed by a plane with CAA employees and they are videotaping it.
Obviously an individual should use their judgement as to whether they feel safe doing something. How many fresh PPLs could (should) fly in 3000m vis? One can only just barely visually navigate in those conditions (and only at a low level - dangerous in itself), but it's 100% legal and nobody here would dispute that. Instrument flight and navigation are required to fly in such conditions - it's IMC as near as dammit. What's the difference between that and flying above scattered (or perhaps "only just" scattered) clouds?