Yep, what Vance said. Plus, my own minimums are flexible--as I fly more often and don't think "am I current?", my minimums decrease; fly less, needed to get current, my minimums increase.
My last IFR flight was a brief climb through IMC, cruise on top for 4 hours. The forecast at my destination was scattered cirrus 25,000; when I flew past the end of the layer below me, there was a much lower layer going off into the distance left, right and forward.
Approach asked if I had weather at my destination; when I replied affirmative, they cane right back with "state intentions." Conditions were 400 overcast, visibility 2 miles in mist, and I forget the winds. But one county south was 900 overcast, visibility unlimited, winds from the west but not strong. They also had an ILS. So i diverted there and let my wife drive 45 minutes to get me. Didn't feel like messing with it after a 4-hour flight where I'd left my travel mug of ice water in the Uber, and had less than 1/2 bottle of water in the plane. Naturally the skies cleared up a few hours later.