I normally find myself agreeing with IO540 on nearly everything, but I must respond to his comment re Permit aircraft.
There are at least 3 reasons why a permit a/c pilot should have an IMCR, when flying strictly legally VFR.
1. As stated, it allows VFR 'on top' - but you have got to have holes to get down.
2. SVFR for me is important as I go to the CIs a few times a year. The Jersey Zone is Class A, apart from the local flying areas and Alderney-Guernsey route, which are class D up to 2000ft. The SVFR has a min of 10Km vis for non IMCR, but 3Km for IMCR pilots, all legal in permit aircraft. It is NEEDED, as in my opinion, over the sea one should not attempt to fly in less than 10km vis except on instruments, as there is no useful horizon or other visual clues unless very low. Add to that the unpredictability of vis in their maritime environment, and I wouldn't go there without an IMCR for personal safety reasons, let alone legality.
3. More generally, vis of between 5Km and 15Km even over land can, at altitude, leave one with the need to fly and navigate as if in IMC, especially if the sun is anywhere ahead, even though fully legal VFR in Class G. I have for 15 years flown a high performance PFA type, but never planned a flight when the forecast indicates that VFR may not be available. What such vis does is to encourage lower altitudes to give a reasonable horizon, against the interests of safety and avoidance of the higher density airspace, ATZs, Danger areas, MATZ, etc. Twice in the lovely weather a few weeks ago I did a day trip to Perranporth from the London area, at quadrantal levels FL60 going and FL50 returning when clear of the London TMA. Never near a cloud, unquestionably VFR legal, but on one of those trips, at those heights, it would have been impossible to fly and navigate visually. Lovely, silky smooth flights in complete relaxation. That's flying for me!
Apart from these reasons, it personally gives me comfort that being in current training on my current aircraft, in an emergency I would cope with confidence in cloud, if unpredicted weather would otherwise tempt me into one of those 'scud running' fatals. It has not, however, happened to me yet, in 40 years PPLing.
MikeJ