Thank you all for reminding me why I send the children up chimneys and the wife on the streets so that I can afford to operate a twin.
Nice one
A word of warning about this 'expect the cloud base is...' business. Psychologically your building in a potential overload, ie. when you get to 800 feet and you haven't broken out yet and you don't have a plan for the last bit. Stress, stress, stress!
Having been there (albeit with an engine) I can vouch for that. Nothing is worse than expecting to break out of cloud and then......... not. The stress levels rise incredibly and can only affect your performance adversely.
Reckon I would go with the Vs +5 option. At least if you do hit something you will have reduced the amount of energy available to cause you damage.