A nice discussion ... I remember when taking my PPL lessons, there was a chunk of hours dedicated to IMC exercise, I believe it was min 3 typ 5 hours - cant remember wether this was regulation or school specific. But, it was a great thing to deal with this already in training and when we did our first cloud breaking at OVC006 in traffic pattern ... omg.
I had two times in my flying career up to today, where similar happened. First was an unexpected weather change leaving me in the middle of nowhere with almost no sight. Second was a flight in spread 1 weather, where a slight sunlight variation brought me into clouds on downwind at 900ft - no runway to see, but me on the radio saying "yes, I do have field in sight" (actually having vis almost zero) - wouldnt do that today, but found myself be trained well enough to not fear the situation.