I agree with beamer. A PPL should never go flying in known or likely IMC. Unless you are regularly using your instrument flying skills, do not go looking for trouble.
The IMC rating can get you home if you get cought out. Trick is to use your met knowledge and common sense to avoid getting cought out.
Some of the scenarios people describe concerning flight conditions that they have lived through courtesy of the IMC beg belief. If you want to go flying in such conditions, then get an IR and fly a suitably equipped twin. An engine failure in a single when the cloud base is less than 1000' leaves little room for success.
If you are thinking of going commercial the IMC will develop your instrument scan and help prepare you for the IR before you end up spending silly money.
It also develops your radio nav such that you should have even less chance of getting lost when on a cross country trip - probably its most useful function!