And if you don't realize this, then you don't have enough experience to have scared yourself yet!
Sigh. Maybe for you kemosabe, but not for everyone. You should be trained and maintain your skills to fly to minimums regardless of day or night. And you should be maintaining your plane to mitigate risk of failure.
I used to fly night IFR, and on a number of occasions I'd fly to minimums. Same risk day or night. I was perfectly comfortable with that. I'd do IPCs for currency, and I maintained the plane exceedingly well.
I sold the plane when I wasn't flying it enough to maintain my skills to a high level of expertise. Aside from the plane ownership cost, the lack of flying a lot of hours per month decreased my risk margins to my limit.
It's a matter of risk management, not risk avoidance. A lot of factors go into risk management - owning the plane, knowing how and when it was maintained, addressing minor issues when they came up, hundreds and hundreds of hours in the same plane, currency, and knowing the local weather conditions all play into risk management.
Not wrong, but rolling the dice with their life. If you have an engine failure over widespread low IMC in a single with no chute, you're rolling the dice. Tell me I'm wrong
You seem defensive. Everyone else I suggest listening to this sobering day low IMC in a single failure...
https://forums.liveatc.net/atcaviat...626d-crash-plainville-ma-2015-06-28/msg65120/
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Not that you're wrong FOR YOU. Everyone is different. As I said before, it's about risk management - the plane doesn't know whether it's night or day, or whether it's IMC or VMC. I've had static ports busting through a puffy summertime cumulus cloud on an IFR flight.
I was (and still would be) comfortable trading the very slight risk of engine failure in the plane I owned in exchange for the flexibility afforded by flying IMC day and night. That was knowing the maintenance of the plane, having no one else fly it, and keeping myself current including an IPC or equivalent every 6 months. I was flying a couple of hundred hours a year some years.
You may not be comfortable doing it. And that's fine - it's your own risk management calculation. I would never suggest you fly a plane when you acren't comfortable. I would ask you not to transpose on me your own fears & allow me to use my experience and training to make the calculation for myself.
Absolute no-goes for me were icing (non deiced plane with VGs), being ill or very tired, thunderstorms (I had nexrad and stormscope both), or with equipment that didn't "feel" right. YMMV.