I've never had anything too serious happen to me. A few gears that wouldn't come down and even one that wouldn't go up! And of course a little too much ice at times. I almost went on a trip to Cleveland one day, but had to stay home for one reason or another, the airplane ended up having an engine failure on climbout, so that could've been me.
I do have a story I'd like to share that happened to my dad and has changed the way I look at single engine IMC.
My dad was flying up to Vermont in the mid 80's in a nearly new 182 to pick up a friend. At the time he had about 5,000 hours, most of which was helicopter time. The weather was terrible, at minimums all along the east coast. At some point in time the oil tank (I guess that's what you call it?) developed a hole and started leaking.
Now remember, this is in Vermont in the middle of a very mountainous area with low clouds. No oil means the engine will seize up, add all those factors together and you have a pretty scary situation.
He ended up breaking out a little above minimums. There was litterally no oil left by the time he got to the ramp. Had he had to have gone missed chances are that pretty blue 182 wouldn't still be flying and neither would my dad!