Still, I didn't get the IA for the insurance. I did it to increase
the
usability of my plane. Here in NJ we get a lot of hazy summers and
the
occasional scuddy days in fall/spring (ceiling around 2k).

Do you really believe that ceilings of 2000 AGL and visibilities of
3-5 miles require an instrument rating in a Cherokee?

Michael

I do. I'm about half way through my ifr training (about 230 hours total
time over 3 years). My pesonal VFR minimums are 3,500 ovc, 3,000 bkn. I had
to divert once due to weather going from 4,000 bkn to 800 within 20 minutes.
Luckily I was right over an airport when I called ahead to my class C home
base. Fetched the plane the next day.

Even so, once I get the rating, I'm betting my ifr minimums will still be
around the 2k agl mark (2-3 miles visibility). Given the severly blown
practice LOC approach last night under the hood, I need some room. :-) Hard
to tell though. I haven't even had any actual, yet. 1st time may scare my
minimums even higher.