EcamSurprise
Probably the most sensible approach. I’ve had it where the midpoint is below minimums on a couple of occasions but have been confident that I can stop in half the runway length. Therefore midpoint not needed - in theory.
Probably not going to look great if you have a runway excursion and subsequently need to explain your actions, so it’s down to personal attitude to risk, experience, runway conditions and wind. It’s probably not a good idea to take the risk if it’s 20kts across a wet runway; calm and dry - crack on!