With your massive 300 hours, (100 at night), you have just enough experience to be dangerous. Go out and scare yourself once or twice, and maybe you'll change your attitude.
The FAA allows you to do lots of things that probably aren't the brightest ideas, assuming you possess the judgment to respect your own sensible limits. Isn't it great we live in a free country where the government allows you (and your insurance company :buck: ) to decide what risks to take and which risks you won't take? Flying at night without special qualification isn't legal everywhere, and for good reason. Start charging people for your services and see if the FAA takes the same approach--for some reason the FAA considers flying VFR at night (>50nm) w/o an instrument ticket unsafe if you're passengers have paid you, but by all means it's perfectly safe if you're flying people for free!
The state of Texas also says it's okay to ride motorcycles without a helmet--don't depend on Uncle Sam to always keep you safe. Sometime we have to make our own (more restrictive) rules! And get your instrument ticket--regardless of how you feel about the issue, getting IFR rated will make you a better pilot.