We don't know what happened and the job of the NTSB starts now with the task of showing what didn't happen which is what a lot of people don't understand when criticizing the length of time it takes them to produce a report.
But yes, a low hours non-professional pilot in poor weather at night after a long day and operating new, unfamiliar equipment can be a recipe for disaster, as the young Kennedy was to discover. It may turn out that this was not the major cause of the accident but if there's anyone out there reading this that is in a similar position do keep this in mind.. It's an old story that has bitten very hard and tragically too many times yet the lesson although a simple one is ignored time and time again leaving a hole in the ground and a hole in the lives of friends and families.