BTW surely you are unusual in that 80% of your flights are in IMC?
I am a corporate pilot rather a weekend fun pilot who only flies if the sun shines through the curtains in the morning.
I would say 80% as an estimate is not far off the mark.
May I add that almost nil % are just in the local area ie most trips are 150 nm + so the chances especially at higher levels of being VMC all the way are small.
The idea of someone in clouds without even a radio is totally unacceptable
Pace