There's no foolish opining here, only facts. You are presenting a textbook case of macho direct from the hazardous attitudes list in the PHAK. Please correct your attitudes before you get yourself or someone else hurt.

No one here is lumping everyone without an IR in the bottom of the barrel of barely capable pilots. They are, however, reminding you that the purpose of foggle training at the private level is to give a candidate pilot better odds of successfully escaping from clouds. A few hours under the hood is not a substitute for 40+ hours of time under the hood / simulated where you drill performance and maneuvers without outside visual reference. It does not teach you how to identify and ignore the various illusions the body can experience when outside reference is lost, something that can only happen with experience. It doesn't drill into you monitoring of your instruments for all their potential failures, not nearly to the same degree. The Instrument Rating is for all of those things and more.

Finally, something that you're not addressing is the danger you place other pilots in when you fly in IMC without an instrument flight plan. The VFR minimums are there to protect pilots flying in IMC on IFR flight plans from pilots in VMC flying VFR. If you are breaching the cloud clearance requirements while not on an IFR flight plan you are putting pilots who did not consent to your dangerous decisions at risk because they may not know you are in the soup with them and may not see you until it's too late.

For the sake of yourself, pilots who fly in IMC, and the safety of other pilots who may take you seriously, please start taking VFR cloud clearances seriously.