Thanks again, all! I GOT IT WET THIS WEEKEND! Headed up to Mackinac Island Friday, and shot the GPS-A to KMCD. When the King Air in front of me, who was on a visual, called up asking for lower because he was still in the clouds when he was as low as they could give him, I knew I'd better ask for an actual approach! He managed to find a hole and literally dive for it and cancel IFR, but I went ahead and shot it. It was awfully nice coming in, getting below the clouds a couple hundred feet above MDA, and canceling IFR as I circle to land.
Coming back to Clow, had a similar thing. Was in and out of clouds from Grand Rapids all the way back. Went down into a solid deck at about 3500 on the approach, and stayed in it until breaking out at about 1700ft. Well above the MDA of 1220, but certainly enough to qualify, and close enough that I had already picked out what to do if I had to go missed!
I like this rating!