If you cancel flights you'd like to take because of benign (non-ice, not-thunderstorm) IFR, then you should get the rating.

If you want to fly a lot, or have the airplane available to you in ways that a rental is not, then consider buying a plane, or part of one. Other alternatives are a partnership and a flying club. Look around for clubs in yuor area - you get many of
the same benefits of ownership at a fraction of the cost.

Jose
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for Email, make the obvious change in the address