Guys, I appreciate all the comments, and may have to speak with a local instructor to see if he would be happy to use my plane given its limited panel.
One other question I have, and I want to ask it here where i'll get a neutral answer as opposed to the answer an instructor may give.
I'm based at Elstree which doesn't have any instrument approaches or departures, so how would I get back there in lowish cloud? I have been told that you can use a nearby airfield's approach procedures to break cloud, and then fly under the cloud back to Elstree (assuming it's safe of course).
But how does this work in the real world, i.e. what nearby airport would you use, and how would they charge you if you're not actually landing?
The reason I want a neutral answer is that if it isn't going to be of any practical use I don't really see the point of handing over any cash.