If I may give a personal point of view, based on nearly 25 years of flying experience including many an IMC letdown, both with and without the aid of TFR:
We as aircrew are wholey responsible for our own safety in the first instance. We may seek help from controllers where approriate, but we are under no compulsion to accept blindly any instruction they may give if we consider it to be unsafe. The safety altitude procedures are there for a good reason - the ground nearly always has a Pk of 1. It is not good enough to shift the blame elsewhere when things go wrong.
Ginseng