Whilst Maxdrypower is right in what (s)he says, for the average PPL, an IMC is probably sufficient, and a great deal less expensive to both achieve and maintain.
I'd like my IMC to be usable in France where I fly regularly. But it isn't, so that's that.
But I did once go into cloud under ATC control when descending into Tenerife South.....
The REAL point, though, is whichever rating you have, it is not the piece of paper which counts.
It is the currency, and regular practise (and from that, confidence) which matters. Both from the point of view of safety, also the satisfaction of having flown well.