Scoobster - I think that you are asking the wrong question of us, and of yourself.
Being legal does not make you safe. It is incredibly unlikely that anybody will ever make an issue of whether you were in legal VMC or not.
What is safe for you, in your aeroplane, at your experience levels, on the route you're flying? Most cases, most of the time, that will be above legal VMC minima for as long as you remain a VFR pilot.
People will criticise you for going below safe limits for the circumstances. In the highly unlikely event you hit conditions that are safe, but technically illegal - odds are nobody will criticise you for that.
Think safety, not legality. Safety is defined by:-
- Flying time en-route that you can see ahead of you
- Time you have to identify potential threats from other directions.
- Ability to navigate competently.
Not the crude, albeit necessary, legal minima for VFR.
G