There’s no differentiation in the eyes of the FAA, but I’m going to make a distinction.
Once a pilot adds an instrument rating, they’re legal to fly an ILS in blowing snow all the way to 200-foot minimums with an 1,800 RVR. But few of us would actually attempt such a demanding task with only our training and perhaps a bit of experience in actual conditions under our belt. I’ll call those folks “pilots with an instrument rating,” differentiating them from someone with more experience who would confidently undertake that operation. I’ll call that person an “instrument pilot.”
