bdl writes:

Not having any instrument flight experience you are not qualified to
evaluate your instrument flying ability.

I am qualified to evaluate my ability to handle activities of this
type without prior experience, however.

The tacit assumption in your post seems to be that everyone is bad at
instrument flight by default, and can only become good by doing it in
an actual aircraft. I'm not convinced that this is true. Some people
are able to fly an aircraft competently under VFR with no prior
instruction; they simply happen to be good at that sort of thing. The
same may also apply for IFR.

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