I view it the same way I view fuel planning. My mins are to plan to land with at least an hour in the tanks when VFR. Sure, I know I can go lower, but (regulations aside) I’m not gonna PLAN land on fumes. If SHTF and the plan gets blown, I’m painted well into a corner.
Same applies for IFR mins. Yeah the ILS will get you down to 200 and 1/2. And that’s what we train to. BUT…METARS lie and TAFs don’t tell the truth. So when you plan to do an approach to mins, especially if your alternate is also brushing mins, what happens when wx deteriorates further than expected?
Not to mention, from a human factors standpoint 200agl is extremely close to the earth to be doing anything you’re uncomfortable or unconfident with. We as pilots need to, first and foremost, know how to be honest with ourselves and our proficiency level. Descending through clouds is no place to “fake it till you make it”.