More people end up in the accident reports for running off the runway than for losing the engine on short final. SO don't constantly push the limits of your a/c purely because you potentially could get a failure at low level.
Short of doing a glide approach each and every time, there is no sure way to protect yourself from an engine failure a too low an altitude to glide to the runway.
If you lose the engine at low level, don't start trying to reconfigure it, just do the best with what you have available.
Lifting and raising gear and flap, causes more drag than just leaving it extended. It's an emergency, so concentrate on the basics, fly the thing and try to get it down so that you at least have a chance of walking away.
If you keep control you always have a chance, if you lose it because you are trying to reconfigure, then you have none.
Stick's trick of pulling the pitch back to fully coarse can make a difference to your glide, but it depends on whether you have the ability to still affect a pitch change. Try it and you'll be pleasantly surprised. (Especially in something as "brick-like" as a TB 10)