Joe le Taxi,
I agree with your statement but you are forgetting that descent below MSA including manouvring below MSA is perfectly fine when visual (if you want a full description of what that means by day and night then I'll hapily oblige).
So we proffessional pilots are still allowed to fly the aeroplane...sometimes without using the guidance of HDG SEL or LNAV......GASP!!!!
Fly the aeroplane within the rule book and within your own abilities, never oustside either. If anyone disagrees with that then see me after class.