Filing IFR flight Plan in VMC

I have a question for the group. Im working on my IFR ticket, and will be
finished in about another 2-3 months, depending on how much I fly (Im renting.
so at $165/hr with instructor,, the $$$$ flow is very high right now) . I
was told by one of the "old guys" at the airport that if I wanted to file an
IFR flight plan in VMC and remain totally VFR, that I could do so by myself
without an instructor with me (and without my IFR ticket). The premise is
that it is not illegal to file an IFR plan and fly it VMC while keeping VFR
the entire time. It is very "ILLEGAL" to file IFR flight plan and fly in IMC
without either your IFR ticket or an IFR rated instructor. The practice would
be great of getting into the system, approaches, vectors, etc.,,but my fear
is that if I try this,,I could wind up in deep dodo with my local FSDO. I
have searched the FARs and cant find any reference to this scenario and so I
cant verify if I could actually do this or not legally.
This would be quite easy to do at night on a clear night. I do most of my IFR
training at night because of my work schedule and love the night flights,
less traffic, no turbulence, etc... Your thoughts?

Thanks ron..

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