I do what piperarcher said, I.e. plan all flights for radio nav so I can do them imc if required. I think to avoid IMC whenever there is cloud below MSA is a bit restrictive, though I do set myself a minimum of 1000ft (which allows for cloud base to be lower than forecast as a get out of jail free card).
Basically it is, as several have said, a case of always knowing what your out is.
Tim