RBF has, I think, said it in a nutshell.
20/20 hindsight is a bit like Kamm's theory, double the speed and you cube the drag. In this and other accidents that happened in iffy conditions, double the paxcount/US$/visibility and you cube the hindsight.
Trouble is that, in many ways, hindsight training serves more to bureaucratically circumscribe the right reactions. In any activity. One hopes it doesn't in this one.