Chesty Morgan
You wrote
Our company doesn't allow us to descend below MSA unless we are visual.
I think you are taking that statement out of context ie. for the purposes of landing, visual approach etc. but I thought that was obvious.
What you are implying is that you will descend just because you are visual with the ground regardless of altitude or phase of flight.
Like I said the rules are crystal. They are there for YOUR safety.