Beags,
you say that but your post on the previous page almost says the same,
Quote: " I fly an instrument approach clean at the normal cruise speed, but decelerate and configure from DH/MDH (500/600 ft these days as I don't need an IR - an IMC rating is entirely adequate) to achieve the correct POH approach speed from about 3-400 ft"
Five hundred feet is a good place for a new PPL to get fully configured on a straight in approach - it roughly corresponds with having turned finals on most airfield circuit approaches.
A more experienced pilot can reduce this as required - which was the yardstick I was offering.
And the dig at airline pilots??