There are two issues here (I don't disagree with Bookworm, but just identiffy less categories.
(1) under what conditions can you keep control (including navigation) and (2) how do you feel about other a/c around you...
If I can see the surface then I can keep control (and radio navigate) - I know because I have found myself in this (uncomfortable) circumstance.
But even at 5km, how well can one see and avoid?
I tend to agree with 28th July - we PPLs fly to enjoy ourselves ... and pilots like TINSTAAFL have to cope because it's ther job.
I live near an ATPL who owns an SEP, which he will not fly in IMC. When I asked him why, he replied that he flew 'big iron' for a day job and the SEP for fun
