Please, just follow the rules. If you follow the rules, other pilots and ATC will know where to expect you to be and they will have an easier time finding you. If you don't follow the rules and just adjust your cruising altitude by 200 feet, here's what happens:
You are VFR eastbound at an indicated altitude of 5,700 feet (200 feet higher than you are supposed to be flying, which is what you have said you will be doing) but your altimeter is out of whack by 100 feet, your altimeter setting is 0.1" off from the local setting, and you catch an updraft that you do not immediately correct for and end up at a true altitude of 6,000 feet.
I am IFR westbound at a true altitude of 6,000 feet, which I am maintaining because my altimeter has been calibrated recently and I have the benefit of regular altimeter setting updates from ATC. I may even be 100 feet below that without ATC reminding me of my assigned altitude.
Suddenly, I pop out of a cloud that you were supposed to be 2,000 feet away from laterally; and let's just give you the benefit of the doubt and say you were actually that far away from it. Our rate of closure is at least 250 knots, which is 417 feet per second. We have four seconds within which to figure out that we are about to collide. The reality is that you'll have less than 4 seconds because you will have also misjudged your distance from the cloud, because the human eye is not good at measuring distances to clouds. You'll probably panic and turn the wrong way, too (quick, tell us which way you would turn without taking 4 seconds to think about your answer or look it up), making a collision even more likely.
If you and everyone else follow the rules, this situation does not happen. Head-on flight paths (say, flying 360 and 179 toward each other at the same altitude) can occur, but if you are flying that close to due north or south you at least know you are in the envelope where they can occur. If I am flying along at 6,000 on a course of 270, I should not have to expect to see a head-on airplane at my altitude when I pop out of a cloud.
That's why we have these rules. By people following them and having at least some reliance on others following them, these rules allow us to predict where other airplanes will be.