This sounds like one of those Q where there is a disconnect between what might be asked during initial groundschool and the practicalities of flying an approach with the external visual reference only being acquired at DA/H, as the cloud base on short final can “ebb and flow”.
The cloud measurement occurs at a specific time. It is not like the simulator where that precise cloud base can be achieved and remains constant.
Only when you have experienced these marginal conditions over time, does the osmosis start to occur and you appreciate the theory from practice.