AnFI, Spot on,
Inadvertant IMC. is just that.
At nite / spotty weather you can pop in the thick of it, What happens is loss of control or skud running,
Going low gets you dead, Wires,solid clouds, antennas ,buildings. Just be off a few feet & bang your bugg splatter.
IFR / IMC are two different animals.
Dug through what was left of the poor sods that thought they could make it low & slow.