It appeaars obvious to me that there is a difference in thinking here between PPLs and CPL's. As a ppl student I never quite understood the MSA/MEF thing and I was given 5 hours Intrument instruction on how to do a 180 if I entered cloud. AT CPL level Instrument flying becomes more of a factor and part of the test criteria includes a simulated cloud entry(screens up) and the first thing you do is CLIMB TO MSA.You then must find a fix using what ever instruments are available to you and get out. You do not need a IR to hold a CPL and hense its not true to say any VFR pilot should never enter cloud and leave it like that. The facts are they do and how to get out of it is very important.
MEF= Highest known obstacle+ 300ft rounded up to nearest 100(used for VFR)
MSA=Highest terrain +1000ft within 5nm( used as safe altiude for IFR or if you enter cloud) this becomes +2000ft in mountains.