I would agree that I also think actual during the Private is what made me acutely aware that I didn't want to mess with IMC without appropriate training. One of my CFII's took me up in a snowstorm.
Quite cool/eerie to be able to see all the houses and roads straight down, but absolutely nothing straight ahead. Shot three ILS's into KBJC, and called it an evening. Long discussion about freezing level and basically he walked me through his decision-making process, where we'd go if the weather got worse, fuel load, all of it, over the course of an hour and a half or so before the flight, and another hour after... a very good learning experience. (This was also back in the days when a CFI didn't charge for handshake-to-handshake time, and I'm very grateful for the 2 1/2 hours this older CFII spent that day... I think he was having as much fun as I was. Hard to find that now.)
I also will freely admit I'm one of those "idiots" who's accidentally flown into a cloud VFR.
I just honestly thought I was further below a huge flat overcast than I really was, and a "bump" of cloud that was lower caught me not paying attention. I was quite literally digging for a chart in the back (I was comparing WAC and Sectional charts in-flight at the time, just seeing what the differences were, and the WAC had fallen down and back behind my seat).
That "180 degree turn" (and knowing that I also was 3000' AGL and had room to go lower, but decided against it) truly did save my butt, and my wife's.
I didn't have "the leans" that day, which was nice, and the whole episode was over a couple minutes after it started, but I'd also been out under the hood with a CFI prior to that day where he'd worked hard to give them to me, and succeeded... so I knew to trust the eyeballs only... and maybe the ears. But never the butt.
My wife remembers me saying, "I'm going to be really busy for a couple of minutes, don't say anything please." She also remembers it being "interestingly gray". I'm always honest with my wife, and shared that this was one of the dumbest and most dangerous things I'd ever done piloting an aircraft, later when we were on the ground. She (like me) prefers honesty over BS.
At that point in time I had at least 20 hours logged in a simulator with a CFII, so that helped. The shock of transitioning to the instruments wasn't that bad, and a standard rate turn and we were back out.
But... heart rate had gone up significantly and I knew my head wasn't in the game or that wouldn't have happened.
Hit the NRST button on the GPS and landed at a cropduster strip near College Station, TX and then did a mental assessment, seriously considered knocking off completely for the day and just flying to a bigger airport and getting a hotel, looked over the weather information I'd printed out in Houston a few hours before, talked to FSS on the phone (no cell phones back then), and decided to wait for the "burn off" that was forecast to actually occur -- THEN continue North to Denver.
It did, and we then continued on our merry way, with my head on straight, and removed from the up-and-locked position it apparently was inadvertently left in by the pilot, a few hours earlier, leaving Houston.