Run out of options (or a planned IFR). Positive decision to go into IMC and work the needles.
Over water, low, with low cloud then rain takes the horizon away ahead... snip... no real decision but desperately looking for visual reference with occasion looking at by now meaningless dials.
This is spot on.... If you plan to go in it, you'll consciously set yourself up for it, (like an IFR rated pilot would, align the AH, confirm straight and level etc etc), but when it happens quickly and you're potentially already in a turn or otherwise, it will all go downhill quickly from there.