The concept of learning to fly instruments is more appealing than the reality. Earning an IFR rating is hard work and, ultimately, tedious.
But forget concepts. Lets talk money.
Everyone knows that having an instrument rating lowers your insurance premium. Well put some numbers on that in a moment but consider something else.
If you want to buy kinds of high-performance airplanes or high limits on something more modest, its getting to the point where some insurance companies wont even look at you unless your certificate is stamped: Instrument Airplane. So whats it cost to earn an instrument rating these days? It varies according to how much experience youve go...