Set yourself minima and stick to them. Mine is 1000ft cloudbase, because I have only an IMCR and limited time/money to fly, so I can't keep as current as I'd like.
1000ft means that on approach, you'll be visual at 3 miles.
But, where you get the typical stratus at 1200ft with tops at 2000ft which England seems to create virtually daily, fly on top of it. Or fly in and out of the tops - some of my favourite flights have been around the tops of fair-weather cumuli, in and out of cloud tops, in the gaps, &c., all bathed in sunlight. Magical.
I have, though, taken a vow not to do single pilot IFR in IMC with only a 5-year old for company. I had a moment when I was talking to Shawbury on box 1, Gloucester on box 2, and my son was asking lots of questions, when I realised I was overloaded. (Easily solved by turning off the intercom...)
Tim