I was flying a couple of months ago when a pilot came on frequency asking to divert to our aerodrome. He was caught above 8/8 cloud due to unforecast weather deterioration and didn't even have an IMC Rating. Rather than flounder around underneath aand risk a CFIT, he'd climbed to VMC on top. Fortunately the basic IF training he'd had saved his neck; we held clear of the aerodrome whilst he was vectored in. After landing I discovered that he was a CPL student on a navigation exercise. The first thing he was going to do when the weather cleared and he got home? Enrol on an IMC Rating course......
Total P1 time isn't everything in life - spending some hours getting an IMC Rating may prolong your life sufficiently so that you can though!