Wot you are saying, if I may paraphrase, is that to fly to the legal limits of JAA VFR (3km) you need to be instrument capable.
Yes. Well, the nav stuff anyway, personally I don't have a problem keeping the aircraft the right way up provided I can see some ground, even if there's no visible horizon at all.
I went flying on such a day a few months ago - ok, it was perfectly legal VFR, but in practical terms pretty well zero vis into the sun on the way back. So I just tuned in some navaids and followed the needles - I'd have been a bit less happy if I hadn't had the IMCr training. What's a "field in sight" call between friends anyway?