Wow what an interesting thread my question turned into.
Very interesting to see all of your ideas and suggstions.
Well, I think my question was more into the enroute cloudbase for a chance to spot a field before hitting something in case of emergency landing. For the approach you of course use the plate minima if you have to. But the planning minima could be higher if you arent comfortable flying a 200 ft approach or for safety reasons??
So, what do you guys use for enroute planning minima? And/or approach planning minima?