Well said H-B, I agree with how you are looking at it,
Sadly I dont think any one thing points towards why PPL(H) pilots get into Cloud problems I am sure they dont purposely set out to get involved with clouds but as one other poster to the thread wrote, possibly it would help with better route planning and taking more notice of the Wx and how fast it was moving comparative to the route they were planning to fly.
I feel only careful flying to build up hours and experience are the main thing we can hope for, and the PPL(H)'s remember that experience by flying as safely as possible at all times, after all PPL(H)'s are only doing it for the freedom and fun, unlike the CPL's and the Mil pilots who do it for their living!
Vfr