In my opinion no question is a daft question if you don't know the answer. The only daft question is the one you don't ask.
You didn't say what aircraft you fly, but generally there is no problem unless (as Irv pointed out) you are above the freezing level ( use the OAT gauge ) or have recently been above the freezing level ( such that the airframe is below freezing).
The reduced visibility is fairly obvious, but one effect that hasn't been mentioned is if you have a wooden prop. Without leading edge protection, a wooden prop will suffer anything from mild pitting at the tips to almost complete destruction in rain depending on the drop size. I assume hail is even worse, but if you're in hail you will be so close to a CB that the prop may be the least of your worries.