Yeah i hear you Capt and i can relate many experiences flying down to the approach minima with plenty of RPT around although, how often does this happen? once in a blue moon? You can manage to spend a bit of time cruising in IMC, but you usually pop out will before you hit the 25nm MSA. If your at flight levels, most of the time you are above it, and the "stuff" that is up there, is "stuff" you don't want to be anywhere near!
Think of it another way, VFR charter ops you will still be flying in the same weather as the IFR boys are, I would rather be "in it" with training and procedure for a safe let down with ATC support and flight following, than VFR, smashing around below it, or heaven forbid "in it" as seems to be a common occurance since the introduction of accessable GPS for VFR pilots these days.
You can make it as hard as you want, or as easy as you want. The choice is yours!