It is a nerve wrecking experience indeed that i am sure most of us have been through in our IFR flying days and nights. No matter how well you are equipped with avoidance gadgets there always will be a VFR cowboy willing to take the risk of decending through cloud to make it back to Bankstown for dinner. And will stay quiet to avoid being busted therefore risking innocent lives once again.
The scariest experience i ever had during an instrument let down into Scone in thick fog about midday when i just caught the shadow of a Navajo crossing in front of me about 100 meters at the same level. He decided to drop down because he saw a patch of ground below through the fog. It took five people to hold me back on the ground after we landed because i was about to rip his head off. Fresh CPL, fresh MECIR with 6 people on board. If you read this i am sure you still remember your lucky day and will now now who i am. We both made it through sheer luck and very narrow margin.
On a happier note...
Hey Doc! Have you still got room for more gismos in your panel?
