BE55 PLT ENTERED R-3401B WHILE ON NO FLT PLAN.

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I FLY A CPR PISTON AND TURBOPROP; 99% IFR. IFR BRIEFINGS DO NOT INCLUDE TFR'S. THIS DAY; I WAS IN THE PISTON FOR THE 1ST TIME IN 4 MONTHS. I DEPARTED VFR WITH THE PLAN OF VFR FLT FOLLOWING. INDIANAPOLIS APCH -- I COULDN'T REACH ON THE FREQ I HAD BEEN ASSIGNED ARRIVING IFR EARLIER THAT DAY. AS I DEPARTED HFY (BEARING 227 DEGS TO DEST) I HEADED 190 DEGS FOR A FEW MI TO AVOID INDIANAPOLIS CLASS C AIRSPACE WHILE TRYING TO CONTACT THEM. A CHARTED RESTR AREA; R3401B LIES ABOUT 14 MI S OF HFY. I TURNED SW TO AVOID R3401B AT 2000 FT MSL. AN UNUSUALLY STRONG NW WIND FOR AUGUST AND THAT ALT WAS PUSHING ME CLOSER TO R3401B; SO I CLBED TO 4500 FT MSL ON A HEADING OF 240 DEGS. AS I LEFT INDIANAPOLIS APCH AIRSPACE; I TRIED TERRE HAUTE (HULLMAN APCH); BUT DIDN'T GET THROUGH AND WAS CLOSE TO EDGE OF THEIR AIRSPACE ANYWAY; SO I CONTINUED IN A CLB TO 6500 FT MSL AND CONTACTED EVANSVILLE APCH; WHO INSTRUCTED ME TO TELEPHONE TERRA HAUTE ONCE ON THE GND. THE TELEPHONE CONVERSATION WAS HOW I DISCOVERED THE TFR INCURSION. BEING MOSTLY AN IFR PLT; I HAVEN'T GIVEN MUCH THOUGHT TO TFR'S. OF COURSE I HAVE HEARD OF THE MAJOR ONES; BUT WHEN WX AND AN UNEXPECTED RTE POP UP; IN CONJUNCTION WITH A COMPUTER WX BRIEFING; TFR'S ARE VERY DIFFICULT TO PICTURE; ESPECIALLY WITH THE TEXTUAL DESCRIPTION. I UNDERSTAND THE NEED FOR TFR'S. MAYBE IT WOULD HELP IFR PLTS IF TFR'S WERE CHARTED ON IFR ENRTE CHARTS. MOST APCHS AND ARRS INVOLVE SOME VFR. AFTER ALL; R3404 IS DEPICTED ON AN IFR CHART AND IT LOOKS TO BE ABOUT 8-10 MI FROM THE CRANE TFR. A PLT TRYING TO STAY N OF R3404 GOES RIGHT INTO THE CRANE TFR (5 MI IN RADIUS). I WILL DEFINITELY GIVE TFR'S MUCH MORE THOUGHT. HOWEVER; THIS INCIDENT WILL PROBABLY RESULT IN NO MORE VFR FLYING FOR ME; EVEN ON A SPECTACULAR DAY. BEING A PAID PLT; I JUST CANNOT AFFORD TROUBLE. I THINK ANOTHER SMALL CONTRIBUTING FACTOR IS THAT ALTHOUGH I READ 7 FLYING PUBS PER MONTH; MY CHOICES MAINLY DEAL WITH IFR FLYING SKILLS/TECHNIQUES; OR SAFETY OF FLT ISSUES. THE SUBJECT OF TFR'S JUST DOESN'T COME UP IN THE PROFESSIONAL PLT/IFR ENVIRONMENT.