Remember that what is legal has nothing to do with keeping you safe.
The FAA could care less if you run yourself into a mountain. The
purpose of VFR mins is to keep you away from the "real pilots" who are
IFR and popping in and out of clouds, especially the airlines. The odd
selection of VFR mins at different airspace was a negotiated thing
with airlines way back. The airlines wanted to just get rid of VFR
flying. So today we have regulations that basically say that the
busier the airspace, the further you have to be from a cloud that
could have a 737 popping out at any moment.