I've landed in strong winds and heavy sandstorms and convective storms in Iraq, Bahrain, Kuwait, Saudi Arabia, Afghanistan, UAE, Pakistan, India, most of the 'Stans, and numerous other places throughout the region. I've done it in fairly sophisticated equipment, and with some very old, somewhat unsophisticated equipment, often at night. I've done that flying into some nasty thunderstorms, in heavy icing conditions, with shooting and rocket fire, and on clear calm days, as well as many nights.
Contrast that against VFR flights under power lines, down burning canyons in formation with other aircraft in low visibility, in severe turbulence, and other associated challenges.
Single pilot IFR is still among the heaviest workloads and most demanding environments available in aviation. Particularly civilian aviation. For most of those participating in this forum, that is the case.
Then don't. Easy.
That said, don't justify inappropriate equipment or circumstance by cost. One ought not strike out over the ocean in an ultralight on the grounds one can't afford a Boeing.
I did convective weather penetration and research in Learjets. I certainly wouldn't have rented one to do that, and I certainly wouldn't have done that at all if I weren't being paid to do so as part of a professionally-run, dedicated research program. I also wouldn't have done it in a Cessna 172.
During the time I did that, I often encountered instrument weather. While we flew ad mid and high altitudes often to penetrate the cells, we also ended up frequently flying instrument approaches to minimums in rain, sandstorms, and other phenomena. I wouldn't have been probing the weather in inappropriate equipment, and wouldn't have been flying point to point at lower altitudes in inappropriate equipment, either. The most basic, simplest equipment we had in use in that operation were Cheyennes and King Air's.
It's also worth noting that even with the equipment we had, which was stuffed with sensor stations, had hardpoints on the wings with sensor packages, and had dispensable pyrotechnic equipment to map and track the cells, I also helped build a network of doppler radar stations on the ground which were part of that operation. Those stations were constructed specifically to allow us to do that research program, and were manned exclusively by our own people, mostly meteorologists and scientists, with whom we had constant contact while we mapped our and flew the cells. We consulted and constructed SKEW-T and other data sources and depictions and we thoroughly briefed and debriefed everything, as well as data-recorded every moment, along with samples, photographic records, and so forth. In short, we didn't blast off willy-nilly into the weather.
Without that, we ought not, and wouldn't have gone into those conditions.
You may not be able to afford to rent a Learjet. I can't afford it either. I don't rent a Learjet. I also don't fly into weather without adequate equipment.
Having an instrument rating may make you legal to blast off into weather. It doesn't mean you should. Simply because you can afford to rent something that will lift you into the air and propel you forward doesn't mean you ought to be in the weather.
I recently refused a single engine flight as dark approached, because the airplane wasn't instrument equipped (it was night equipped, but VFR-only). The flight was over an area with few landing options, particularly at night, and few surface references. I stopped and spent the night, before continuing on in the morning. Insofar as I was concerned, those night conditions were instrument conditions in which I wasn't going to fly the single engine (turbine) airplane. If I couldn't see to make a forced landing, I wasn't going. I didn't.