One defintion of a stable approach is where the aircraft maintains a predetermined speed and configuration. If for any reason you are therefore 20 knots above Ref at 500/1000 and you are attempting to maintain VREF+5, then simply you do not meet the requirements of a stable approach. In attempting to reduce your approach speed by any means in order to get back to VREF +5 before the threshold, then again, you are not stable. A go-around is required if not stable at 500 ft VMC or 1000 ft IMC.
Going back again to the purpose of the original post (sorry if I am repeating myself) which is that accepting a speed range of +20 to VREF itself seems an awfully wide range of speeds to be defined as stable at say 500 ft. Calm conditions, remember!