First, MVAs don't change hourly, unless the terrain changes hourly. ATC can only clear you in controlled airspace above the terrain, how you get there from an uncontrolled airport is your problem. A contact puts terrain clearance on the pilot's shoulders.

Second, scud running is a proven killer, so VFR might not be so good. Loads of instrument-rated pilots have come to grief trying to scud run, too. If you do get an IFR clearance, what's the concern for "staying out of the clouds"?

Third, your comment "at or below 3000'" sounds like you are confusing the contact approach with the cruise clearance. A contact approach doesn't require radar, but does require an available IAP at the destination.

Take from who's been to too many funerals-wait, get a clearance, fly the clearance and use the IAP, as published. Live long and prosper, by doing so.

GF