The point is that it is not a decision anyone needs to make, the VMC minima are there, the decision has already been made for you.
OK if someone is learning to fly in the average GA training aircraft then how are you going to take them into IMC legally? I introduce the IF component by making them fly with their eyes shut and see how long they can stay straight and level, this can vary from a few seconds to a couple of minutes, every student is different.
Fact is if they are disorientated they are not going to suddenly regain their orientation and effect a perfect recovery from a UA. A bit of simulated IF experience, (with thorough briefing on its limitations) with the foggles should be enough to get them out of the poo before the poo gets too thick and they run out of options.
Bear in mind that there are people flying around in little aeroplanes with passengers with NO minimum hours requirement for simulated IF. This is one of the big differences between the PPL and the RPL-with-various-add-ons or RA-Aus.