How about another approach,
Get an instrument rating. If you are going to pay to fly around and build time, why not work on the rating. We should all have IFR skills even when we do not anticipate flying in IFR.
Secondly, if you are going to buy a ship, acknowledge that most accidents are caused by loss of situational awareness. Equip the ship properly. With the help of a regular contributor who is very generous with his time, he has helped lay out a panel for all necessary instrumentation on my VFR ship for IFR flight. The incremental cost is relatively minor.
With the skills learned in the IFR training and a properly equipped ship, you will have every option available in the event you enter IMC and will be able to make a calm and prudent decision.