"Unless you are in regular instrument flying practice" is, of course, an important conditional.
I disagree.It goes back to the self limiting "private IR".
If one is current then one can go off and fly a profile / approach down to minimums in bad weather.
If one is feeling a uncurrent, then Darwin suggests that most people wouldn't go off and do this. They may head out into some gentle IMC to refresh their skills, or employ an instructor or take a safety pilot with them. Certainly when I haven't been flying instruments for a while, I do the FAA IPC through choice (and to renew my IMCr
).....
That is the beauty about private flying - one can choose whether to go or not, what weather to go in, and who to go with.