Ceiling options? Any fix that produces low vis at surface?

I have seen several posts on getting a solid ceiling. I too always get the hole around the aircraft when in a solid overcast layer so I can always see the ground. This can be fixed by setting the lowest visibility at the same height as the clouds.The problem is you then pop out of the clouds and have perfect visibility below (not great for approach practice). If you could set a second visibilty layer it would be an easy fix. If you set low visibility all the way to the ground you can complete any approaches.I really like 2004, but I have gone back to using 2002 for approach practice until I can solve this.PIII 800 Windows Xp512mbGeForce 4 Ti 4400 128mb