The BS is flowing now
Overall - if you are a PPL - precautionary landing is the only option. if you are an IMC holder or IR holder then only go IMC if the divert/ precautionary landing option is not available and then declare an emergency, get help and of course, report what happened when you land (hopefuly) safely!
I really cannot believe you suggest that a current Instrument pilot should declare an emergency or make a precautionary landing in a field if they are going to have to enter IMC?
I fail to see how being a PPL has anything to do with it? I'm a PPL in JAR land, and a Commercial Pilot in FAA land. A CPL without an IR or IMC has no better odds of surviving than a PPL in unintened entry into IMC.....?
I'm sorry DFC, everyone is entitled to their view and all that, but you seem to have some very strange views for an experienced pilot? What is you day job that allows you to fly IFR all the time?
Ta ta