I figure an ignorant pilot is more dangerous than an educated one. The things you indicated concern about are a very small portion of that education.
It's getting a little muddled as to what I'm concerned about, POA style, so let's restate it.
What started this little tangent was my story about a pilot, either a newly minted one or a student, flying patterns literally within less than 100 feet of a solid ceiling in E airspace. Illegal stuff. I was on the ILS, and talked to this guy, he asked me if I wanted him to go out over the lake while I landed, I told him no, we'll work it out, and we did. But who was the ignorant pilot in that scenario? The guy following the rules on an approach on what was an obvious IMC day for the majority of the area, or the guy obviously busting regs because he couldn't wait until the next day, which was severe clear, to practice circuits in the pattern? You seem to be advocating for the guy busting the regs, causing other people to work around him.
Scud running, you are fine 50 feet below a 700 foot ceiling with rising terrain, towers, airspace all further limiting already limited options and let's face it, as EdFred has pointed out elsewhere, no guaranty that the 700 foot ceiling won't fall to 100 feet in 20 minutes. I'm not fine with that, yet you seem to infer I'm the ignorant one. It's pretty easy for me to deal with a day like that, I just file and obtain an IFR clearance.
Personal minimums, something Cirrus pushes and the FAA suggests that pilot think about and implement. Is that ignorant? You are trying to make the association that people who use personal mins, do it because they are afraid or incapable of flying to regulatory minimums. Nope, I practice to mins all the time. I've flown quite few approaches with my instructor to mins plus real missed approaches in conditions that were below mins. Not a big deal. There are scores and scores of fatal accidents where pilots thought they were fine to fly to mins and weren't. Nothing ignorant or lacking in a pilot who uses personal mins.
If refusing to scud run under a 700 foot or lower ceiling makes me less of a pilot, I'm ok with that.