"Dennis O'Connor" wrote in
This discussion has had it's silly moments... I will simply note that adding
the instrument rating will result in a decrease in your insurance premium...

That's not generally true at all. It's ONLY true for low time pilots
and for fast cruisers. When I owned a TriPacer I asked my broker
about what kind of discount I could expect if I got an instrument
rating, and he just laughed. Of course with my Twin Comanche it's a
very different story. You only get that discount if you own something
fast - say Mooney/Bonanza/Comanche/Viking and up.

I will let the rocket scientists in this discussion ponder the implications
of that...

Fine. The implication is that unless you own have an airplane too
fast to scud run, an instrument rating doesn't do anything to make you
any safer. I'm pretty comfortable with that.

Michael