My advice? Don't do anything patently stupid. It seems obvious at first, but icing flight is a no-no when you're not in a FIKI airplane. If you run into, turn around a get out of it. Or climb, or descend, as required to clear it. But first things first, get the hell out of there. Does that mean you can't fly in the clouds if its below 0C out in a non-FIKI approved airplane? Maybe, depends on the definition of "is," but I suspect its really going to depend a lot on the individual pilot, and on the conditions. Departing through a 400' layer at 500' AGL to clear above when its 20F out is different than climbing into your 172 and slogging it out at 4000' solid IMC for the whole trip when its 20F out. Regulation can't fix stupid (it can try) but brief potential exposure carries a different weight (in my humble opinion) than continuous potential exposure. I've encountered icing inadvertently in non-FIKI airplanes, I treat it as an emergency and immediately turn around in such circumstances. Basically, the point of the regulation isn't to say "you cannot fly when there's a cloud in the sky and the thermometer's less than freezing," its to say "don't hurt yourself, your passengers, or people on the ground by continuing in icing conditions when it was unsafe to do so." Continuing in icing conditions (notice that a lot of AFMs say "continued flight into known icing conditions is prohibited) is what's bad juju. That brings up the question, "well, what's known icing?" Its seen on the airplane, reported by other airplanes, or blatantly obvious by the conditions. Some AFMs go onto describe what that means for them, Cessna says "icing conditions" not "known icing conditions," and defines their terminology, old Pipers do not. Basically, all of this is set up to alleviate the manufacturer from litigation, and leave what is safe open to pilot judgment. Frankly, some pilots don't have the requisite judgment to say, "wait, this mission should be scrubbed," others are overly cautious - which in some ways is also a lack of judgment - and don't fly when they could. At risk of being jetcareer's hippy-Buddha pilot, I say "take the middle path." Launch when there's no doubt that you can safely complete the flight, but don't be afraid of everything. If you don't have the experience to launch into those flight conditions, and your CFI's "personal minimums" don't allow it - by the way, I hate the concept of personal minimums, maybe I'll start a thread about it - find a CFI who's more experienced, and has better judgment, and go with him/her.