I have no interest in flying in clouds without the rating. Always did fine "under the hood", but that is very different.
I've gotten "the leans" once, while flying solo VFR: climbing turn; looked at the chart then back outside a bit too quickly, and suddenly the instruments and actual horizon seemed to be lying to me. It passed in a moment, but in IMC it would have been a lot worse.
I've heard that in something like a Cub, when you find yourself in IMC, or need to descend through clouds, the best course of action is to chop the throttle, apply full nose-up trim, then put your feet under the seat, sit on your hands, and wait. Doesn't always work, as Doug's tale shows... sometimes you just need a lot of luck, like this poor bastard:
http://www.youtube.com/watch?v=s3QU8J8YJIc... the audio is real; the video is a pretty good dramatization using MSFS.