So you can fly IFR and navigate by instruments en route with nothing extra needed to comply with these rules, but you need a sane human being as a passenger to make an approach.
No, you don't. Rule 23 and 24(2)(b) apply only to flight in simulated instrument flight conditions (e.g. under foggles or screens, etc.). In the case of a flight under IFR in VMC that is not conducted by
sole reference to instruments, only Rule 24(2)(a) applies.