Wally,
Agree with what you say there, however I live by a couple of rules:
I'll fly at night and I'll fly IFR but I wont fly IFR at night! (Don't fly often enough to keep current enough for that)
I won't take off if the destination TAF has more than 6 lines in it!! (If the weather is that bad why would I want to go there anyway?)
I know my limitations and as a non commercial pilot I have the choice to go or no-go. I enjoy my flying and have no desire to fly in cr&p conditions.
BSB