But how would you know if you can maintain terrain/obstruction clearance if you're in the clouds??? :wink2:
You have to know where you are in relation to any obstacles that are high enough to be a factor, and you have to have a plan for avoiding them that provides an ample safety margin. If you don't, then it should not be attempted unless it's an emergency with no better solution available.
A real world example occurred years ago on a flight from Seattle to Portland. I requested a pop-up IFR clearance under an MVFR ceiling south of Bremerton. I knew where the Olympic mountains were, and that flying direct from my present position to Olympia VOR would take me away from them. I could see many miles in that direction under the ceiling, and it was obvious from that and from the sectional that there was nothing to hit. When the controller asked if I could provide my own terrain and obstruction clearance to the MVA, I said I could do that by flying direct Olympia. (I told the controller what my plan was so that he would have some idea of whether I was about to kill myself on his watch.)