Julian,
As you point out, you have an IR and you use it. And there are probably a significant number of IMC rating holders who got trained properly and fly regularly enough in instrument conditions to be safe if something goes wrong.
Most IMC holders though (myself included) are basic PPL holders who mostly fly on nice days, and rarely use the IMC rating "in anger". I don't think that my 15hr IMC course, combined with the amount of flying that I do gives me the competence to cope safely with something going wrong in rough IMC conditions, and - in my view - the same applies to the majority of IMC rating holders.
Fortunately nothing goes wrong most of the time.
I'm happy to be with the "wussies"!!
