You were trained to be able to fly to the minimums shown on the approach charts. If you're not comfortable flying to the minimums shown, maybe you should consider going back for some more training. Make that training in actual if at all possible. If your instructor won't "do" actual instrument condition flying, find another that will.

 

Why play the pysch game of using higher minimums than the FAA, your instructor and examiner expect you to use?

 

Instead of having approach minimums, why not use a different set of criteria to judge whether the weather is too much for you. Where's the Blue ? As in where is the nice VFR or light IFR area that you can use as your out. How far is it to the nice weather? What terrain does it go over? Time of day? This goes back to having options. If you don't have plan B, C, D all lined up before you launch into the sky then I'd suggest you go back to the basics and figure out what all flying is about. OPTIONS ! Everything you do in aviation is about a give and take on what options you have. Perform some action and that will add or remove from your choices if something doesn't go as planned.  For example if an engine quits in your plane,  what are your options? Depends on what you chose for altitude and course right ?

 

 Knowing all your possible options and choosing the correct ones at the right time is what true aviation is all about.