Thing,
As other's have said, get the IMC ASAP, not because you need the piece of paper, but because you'll be a better pilot for it.
I've had an IMC for several years, I've struggled with both my renewals and have never carried out an instrument approach on my own, but I'm still glad to have it and see it as money well spent.
Perhaps one day I'll be able to declare that the IMC saved my life, but if that's so then it's also pretty certain that if I didn't have it I wouldn't be able to say anything at all!