I earned my PPL earlier this year, and purchased my Cirrus shortly thereafter. I've flown the Cirrus for 197 hours as of today. I could have used the IFR rating on SEVERAL occasions to get above layers, etc...
But I do fly alot. I do not do it for work, I do it for fun. I've had to sit many of times that had I the rating I could have gotten through a layer.
Studying for my written as I sit here

To each their own.
My insurance agent told me last night (we're friends) that insurance underwriters see the rating as a more competent pilot. Is he right? Don't know - I am sure many here will agree and some will disagree.
I will use the rating alot, hence I'm getting it.