Thinking back to 1999 when I did my private, I loved every second of the training, had way more than the minimum hours, because I just wanted to fly more and more. Then wanting to get my night rating, loved that instantly from night one, and still love flying at night, something so peaceful about it. Then decided to do my multi IFR, the multi part was fun, and I took to it right away. Then there was the IFR part, hood time was easy, popping in and out of clouds was also easy, 30 seconds in a cloud was nothing. Then my instructor took me up on a windy, raining, miserable day, and within a minute of taking off we were in solid cloud, climbing and to do a left turn of about 110 degrees to get on course to our destination. Not bad, not bad...then there was about 25 minutes in solid cloud, she wouldn't let me climb on top, forced me to stay on instruments, I did okay, but was sure glad my instructor was sitting right there, like a security blanket I needed, calm voice, and she was never rattled, so I stayed calm. Arrived at our destination, and atc put me in a holding pattern, and I fell apart. Too much for my little brain to handle, i told her, "Patty the controls are yours". Once we were back properly in our hold pattern, she had me put my hands and feet back on the controls, and we did it together. For the next 4 flights we flew in solid IMC, a different airport every time, and she made me do holding patterns, eventually it became clear even to my tiny brain. I hope you will change your mind, and keep going up, practice until it becomes easy. If I can do it, anyone can. A patient instructor, lots of practice, eventually it will seem fairly easy. I understand what you mean by suddenly being overwhelmed, been there myself.