Turbantime,
I know what you mean about GAAPs and have on several occasions called "ABC short final" with less than 100' to go. Surprisingly a fairly senior instructor who on one occasion heard me on the radio said to me over a beer later "If you are on short final and the runway is clear then you should land". His opinion pretty well mirrored your comments and reasoning above.
My concern would be though that landing without a clearance would at least get me an invitation for a morning tea with my local friendly FOI or worse still, voiding insurance if I happened to have an accident of some kind on landing.