Sensible limits, please!
Crash one, I bet you never did, actually (crash one, that is). You read like an experienced and sensible power pilot.
But to suggest that a PPL with limited experience and hours can jump in his a/c, kick the tyres, push the button, and go.....good grief! Did he check the weather, that guy? has he planned his route? has he filed a flight plan? if not his a/c, has it recently come out of a mechanic's tender care (in that case, defintely beware!) Like me, you are retired, own (I used to) your own baby, and look after it with loving attention. And know its every feature, quirk, panel, limitations, etc etc.
How many PPL with low hours simply can't wait to load up the wife, the kids, or the girlfriend and impress them with his skill as a pilot - when he has less than 500 hours, would you trust the newby with your wife and kids? If he is flying his own light aircraft for business, can he resist the pressure of business though the forecast is crap?
You don't have to look far in the reports to find examples.