My very first experience with "actual" was back in 2003 or so. I was on a night round robin with my instructor and he took me out over the Chesapeake Bay after doing a stop and go at Norfolk Int'l. Heading north toward the CBBT (back then, big ships would be anchored both north and south of the bridge) on a full-dark, moonless night my instructor told me to only look out the window. I did, and in short order I was in a shallow descent and slight right turn. What was happening was my brain was thinking the ships were a good indicator of the horizon. But they're not. So, to throw yet another wrench in all this I would argue that one could legitimately log instrument time in that situation. Knowing what I know now, if I'm over water I'm going to be watching my instruments closely enough to consider it "only" instruments.