Don't get yourself in this situation in the first place ! The worst decisions in aviation can be made before engine start.
If you are'nt instrument trained and equipped, then be absolutely sure of your capability to operate in the actual and forecast conditions. Allow enough leeway to cope with below-forecast conditions. Constantly monitor the situation. Listen frequently to Volmets and ATIS etc etc. Thereby form a mental picture of the weather pattern in real time.
Always have a bolt hole. Constantly review available airfields along your route. Keep yourself informed of weather conditions at those places. NB crosswind limits , especially yours, even when CAVOK. NB runway length and obstacles. Etc etc etc.
It means staying on the ground if in any doubt. It means that you'll appear over-cautious to observers who don't have the same responsibility, or passengers who were expecting a ride. So what. If you kill them, they'll never speak to you again !
If you
do get into trouble, make sure you have contact frequencies for the area so that you can ask for help. QDM's, radar steers, positioning guidance, weather information etc - don't be afraid to admit that you're in trouble and that you need help and advice.
What would you do if the engine quit ? Single engined IMC, low cloud base ? You're welcome ! Not for me !
Before you spend any more cash on "jollies", spend it on an IMC/IR or whatever, to ensure increased safety margins in good weather, as opposed to being able to fly in worse weather, which is'nt any fun anyway. Stay in practice, using safe dual flying precautions. It's one of the most rewarding skills in aviation, I think.
Prevention is better than cure.
All IMHO.