The real bottom line to this is having managed to meet the PTS for the
IR makes you a more proficient pilot ... And while skills need
practice to keep them honed to a razors edge, being more proficient
carries over into better decisions and safer flying overall...
Insurance companies offer a premium discount to the instrument rating
- must be a reason for this...

Bottom line is every pilot should take the training for the IR... Even
if he never uses the rating he will benefit..

denny