Having spoken to countless instructors, I know for a fact that most of them don't know that an IMCR holder can legally fly to the minima published on the approach plate.
The mistaken belief that the +200ft / 500ft / 600ft / whatever is law is really widespread.
Of course the pilot needs to be current, and needs to be flying a suitably equipped plane, and this is where judgement has to come in. Not everything can be written down in black and white. But this is true for all IFR operations, not just flying some instrument approach. Flying an ILS down to 200ft, over flat as a pancake East Anglia, is a lot safer than flying say the NDB/DME 20 IAP into Shoreham down to its MDH of 800ft.