Dp
I apologise, but you seem to being confusing different aspects of the debate which lead to my comments.
If you meant literally this, then I would agree. I took your comment to be in the context of the debate. In other words the pilot was an instrument rated pilot but technically restricted to VFR because for example he held an FAA IR but the aircraft had a G on the side.
So our hapless instrument rated pilot set out on the basis of a scattered or broken forecast, pitched up at the destination to find a mild overcast (no question of an IAP, no question of undercast any where close to MSA etc), and in any event capable, current and qualified to fly an approach to minima were there only an N on the side and our hapless pilot must decide what to do. (and I have only converted the qualification away from the OP IMCr to an IR because I know some on here let their emotions run away with them at the mention of a IMCr).
If I could remind you that was effectively the question.
421C (assuming he cant find a VMC descent) would have him declare an emergency; I have taken a different point of view.
That is it. Nothing about pilots without instrument ratings bouncing around in severe turbulence and shooting IAP to minima without telling anyone, or pressing on into fog and landing in the side of someones hill, or pitching up at destination being surprised that broken has become overcast.
I do wish we could stick to the debate rather than ply all the usual dribble out (as sensible as it is) about why a non instrument rated pilot should never go near a cloud.