Mike
I could be cleared for the inverted LDA back course circle to land side step approach and I expect to land out of it. That doesn't mean I will every time. For those few times I want a clear plan in place prior to commencing the approach as to what I am going to do. A visual approach in questionable wx doesn't provide me with the guarantees I look for. As such I dont accept visuals if wx is a factor.
What about when I am at a non controlled airport? I assure you that I am not going to talk to you first to get an IFR clearance back in to the goop and let the aircraft sink twords terrain or obstructions. The handbook says I will be handled as a go around. It mentions nothing about receiving the same type of handling as a missed approach aircraft. Being told to turn left downwind in a jet, or worse the dreaded "standby" in questionable conditions by a VFR tower as he attempts to work out something with the appch/departure guy/center is not the same as flying a published missed approach. Its already a high stress moment minus someone on the ground developing a plan while I am flying a now light aircraft on a manuever that I do at best(or worst) 4 to 5 times a year.
Like I said, the visual is a great tool under certain conditions, just not all the times its legal to use.
I'm afraid there is nothing you can say that will convince me that a visual approach has all the guarantees of an instrument approach. This comes from years of flying myself and from the mentoring of many other senior pilots who have seen the same situations.