Jay Honeck wrote:
Is your objective minimum risk or acceptable risk?

Acceptable, of course. If I was going for minimal risk, my life would
be very different, indeed.

One thing Collins recommends to help counter the dangers of instrument
flight is to file on every single flight, and to end every single
flight with an instrument approach.

Do you guys do that?

I file on every flight that is a cross country flight. I don't file if
I'm just going up for sight-seeing in the local area, but I do request
flight following.

I don't always end every flight with an instrument approach per se, but
I almost always tune in the ILS if the runway is so equipped and use it
for guidance even on visual approaches.

Matt