Ehh, not sure about what you are trying to say.
Lets say the regulations say 200 ft DH. But as a responisble pilot you don't go flying SE IFR to 200ft. You develope your own personal minima for lets say perhaps 800ft where you at least have some VMC below the clouds in case of engine failure.
I am interested to hear what personal minimas you people have? Or are you all flying to regulation minima with SE?