Yes, the IMC rating can get you out of jail, but only if you are current in flying in IMC. If not, it is dangerous. Also, your IMC rating doesn't help to melt the ice on the airframe or windscreen. Freezing rain on the canopy can make a nonsense of your minima since you see nothing out the front at zero altitude in otherwise good viz.
Yes, but anyone who needs the above pointing out shouldn't be riding a pushbike, never mind flying an aircraft...
I know you are making a good point for the best reasons but any IMC rated pilot would, I think, I hope to God, already know that.