Intruder - your idea of the 'Stab' altitude setting - probably around 1000'AAL for most - has merit...but...
"GA altitude" (i.e., DA) is reasonable IF you are in a reasonable configuration -- speedbrakes in, power up, V/S <1000 FPM. If you're still trying to achieve the G/S from above, that's too low!
Is anyone else getting prickles on the back of their neck here? What on earth could ANY crew be doing at LOC only DA, without the necessary gear/flap/speedbrake/power settings AND STILL not on the GP - that needs an 'automatic' reminder to go-round?
Surely they have already sailed through the first 'gate' for a stabilised approach WELL OUTSIDE the parameters and are now patently NOT going to achieve the next. The setting of LOC only DA is MERELY to enable descent without the annoying a/p habit (Boeing anyway) of early alt acquire. It is not a safety net. Likewise setting '0' or G/A altitude should NOT degrade 'safety'.
Whatever happened to airmanship, situation awareness, tightnening of the sphincter muscle?
Things seem to have gone the wrong way to me! This particular aspect of the approach should not even be considered. There are plenty of other safeguards in the system first.