Last year, I half regularly flew in IMC, planning for instrument approaches at the other end, which at least a few times meant landing with 2000m visibility and OVC005. I was always dead on the runway, with lights meeting me just before MaP/MDH all with my IR(r). I was taught to use and build on what I had learnt and this meant flying regularly in IMC to keep my skills up.
The only time I was ever scared / felt out of my league was when I entered (severe) turbulence, rain and sleet just south of Thorney Island at around FL80 in a climb to FL100. When I popped out on top around FL95 I realised that I had flown straight through a beautiful (lone) CB (which wasn't in the forecast). I took a minute or five to calm down, (and a spot of tea in the thermos) before continuing over to the continent (in search of some sunshine). But then again, I am not sure anyone with an IR would have been better prepared for that experience unless they had gone through one themselves!