Mitty wrote:

I have to try to KBCK next week for a funeral. It is inside a MOA.

Filing IFR seems safer than going in VFR, but if I file and the MOA is hot, what
is ATC going to do?

They won't clear you into a hot MOA unless they can provide separation. Usually,
they cannot so your only option is to cancel when they refuse to provide an IFR
clearance. Having said that, file and see what happens.