I've only done 40 hours this year but about 5 were in IMC. Two approaches for real. I'm comfortable in IMC providing there's no ice and no CBs. My 20 year average is 10% actual IMC. I almost always plan IFR whatever the forecast. If possible on any longish trip I like to be VMC on top.
If it was not for my IMC rating very few long trips would work and the low level navigation which would then be necessary would be a pain.
DO.