BDS writes:

Every year there are instrument rated pilots who get killed in "continued
VFR" accidents. "Knowing how" to fly on instruments is not the same thing
as having experience and maintaining proficiency.

It does not exclude these.

There is also a stress
factor involved when confronted with weather that is degrading to IMC, and
stress leads to singular focus or the inability to multi-task, which is a
very bad thing when you're flying, especially if you're on instruments.

Whence the utility of experience and practice.

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