"john smith" wrote

Probablly not as much as you might think. The "pleasure" IFR pilot
is/may be more cognizant of his limitations and might be more cautious
about venturing into "hard" IFR.

Yes, most are cautious, but it only takes a few that are not.
Unfortunately, the NTSB reports are full of the few that are not afraid, and
get in way over their heads, and pay for it with their lives.
--
Jim in NC