Excellent thread - was starting to feel a bit sub-par myself for not being comfortable below say 8km / 10km on a few flights last year, so good to know I am reacting same as other approx. 100 / 120 hr guys.
One mitigant that I sometimes consider is the presence of another PPL of equal or greater ability, which serves to halve the workload. Did trip to Blackpool ealier this year in approx. 5~6km vis. like this (other guy similar experience and also non-IMC rated), and it worked out well - but I know I would not have done so on my own.
Andy