First of all, congratulations! I know that sounds weird, but what you've discussed and realized about your flight is exactly the difference between being a good pilot and a GREAT pilot. A great pilot never stops learning! I wouldn't second guess your decisions about the weather or calling FSS. You did exactly what I would've done if I didn't feel comfortable about the situation. You were smart. Everyone has different experiences and will view the situation presented to them a different way based on those experiences. Please don't ever be tempted to use someone else's perceptions to control your decision! You will continue to have more of these "light bulb" realizations as you continue to build time and experience in your career as a pilot. Pay attention to these and learn from them! The best pilots I know have 20,000 hours and still learn something new all the time. The old adage goes, "You have a bag full of luck, and an empty bag of wisdom. The trick is to full the bag of wisdom before you run out of luck". Good luck my friend and fly safe!