a pilot should be proficient to hand fly in IMC but at the same time can't he have a reasonable expectation that everything is going to function normally?
As a retired pro pilot, the answer is not only no, but hell no.
You train specifically for things not functioning normally, and it's you the pilot's responsibility, to be able to maintain control of your airplane when equipment fails, and be proficient in unusual or emergency procedures.
When one becomes an instrument rated pilot you have to demonstrate partial panel skills, total loss of vacuum and electrical instruments, and other emergency skills and procedures. Every time you file an IFR flight plan, accept a clearance from ATC, and launch into the air IFR, you are expected to be current and proficient at all of the above. Not, "I'm current at turning on the autopilot, and I'm OK as long as everything functions normally."
As for widows and orphans getting money from aircraft and avionics manufacturers because the pilot couldn't fly worth a shit and crashed, that's why new Cessna 172's cost $500,000.
Gump

