I have seen this too - however here is the issue I can explain (or perhaps you already experienced this if you used MSFS since the start?) - when you take off and climb up to the bottom of that “wonderful looking” layer of clouds, take note - there is no sudden “break” into the clouds where you lose visibility as in real life (OR how MSFS used to be before METAR). Instead, it’s some kind of slow “transition” where a fog like scene starts to surround you. You can still see the ground, climbing up and up and up, but the fog seems to get “thicker” around you when finally as you keep climbing “through” the layer, the ground becomes invisible BUT then the blue sky above then appears.
We know this is not how clouds are. We are supposed to get a sense of motion and more importantly the loss of visibility in an OPAQUE cloud. The clouds are now just fog-like and super-transparent puffs.
In the real world entering and exiting clouds can be disorientating and adds to the complexity of flying IFR. But not so in MSFS since the big cloud change SU5’ish? And METAR made it even worse.