XRJ you summed it all up. Professional pilots do not brief neither plan to go below DH without the proper visual refrences in sight. Going below minima is stealing honey when bee is not around, you might get away with it once, twice, thrice but without knowing you are developing a baaad habit which will sting you one day when you least expected.
In our company any crew member calls "GO AROUND" at minima, IT IS A GO AROUND. As a training Cpt said, Execute the Go Around and after reaching a safe altitude then discuss reasons.