But with a little experience (and I by no means have much of it) one also inevitably starts to accept lower personal minimas. I can today fly in a lot worse weather than when I started. Then, if there was a cloud in the sky I got nervous and would think twice about it. Today I'll happily fly with low ceilings as long as I have an escape route and options. In fact, I actually think it's important to do so, to hone one's decision making skills.
I have an upcoming flight from California to Chicago in the week VFR (if all goes to plan) and I have to say I'm a little apprehensive crossing both the Sierra Nevadas and the Rockies as the weather in that area has been a bit dodgy. Water and mountains still make me slightly uncomfortable even with 2 engines. Good thing is I have time on my hands, so any hint of trouble and I'll either wait it out or go around it.