Always have an out and a plan B. Those are my minimums. Low ceilings aren't that much of a concern to me, but widespread low ceilings are. Also, thickness of the layer plays more of a part in my decision making that actual cloud heights do.
As long as I'm current I would attempt any approach where it meets published minimums.
I have even tried an approach that was below mins (just for a look) and went missed but I wouldn't do that again. I did the right thing and went missed but it is way too tempting to try to get that extra 50 feet lower as you can almost see the airport. However I did that knowing the a MVFR airport 10 miles away and I had plenty of fuel to get there.
I would add extra to my mins if it was widespread IFR. I couldn't imagine launching where my only option was a 200 ft 1 mi ILS in the vicinity. But would have no problem doing it if I knew I could make it to another VFR or MVFR airport easily.
So I guess my mins are (assuming currency)-
-Published mins to attempt a approach
-Lowest published mins to launch if there are other easier alternates within my flyable distance
-Non-precision mins if widespread IFR (ie. 800 ft and 2 miles)
I don't find flying to published mins any harder than flying to 800ft then clear. Still same procedures, just maybe 30 more seconds riding the glide slope.
I never understood people preaching personal mins for IFR flight. I feel you are either ok to fly IFR or you are not. If you are not brush up with a CFI until you are and don't fly IFR at all until you feel you are proficient. It is way too tempting to lower those mins on an as needed basis.
Lets say your destination is forecasting 1,000ft OVC at your ETA. You decide to fly as your personal mins are 800ft because you are legal but haven't flown a approach in a good 5 months. You fly 200 miles above the cloud deck to get there, tune in the ATIS to hear it is now 600 OVC. The ILS can get you down to 200ft no problem. Are you really going to fly back to your home airport that is still VFR? Odds are very good you will violate your personal mins and go for the approach. At that point what good are the minimums you you don't adhere to? Instead of mins maybe a refresher flight with a safety pilot or CFII would have made that flight safer.