this is not just a landing distance question it is one of risk management.
Everything(!) in aviation is risk management! Stepping into an aircraft deciding to fly is risk management.
I'll always be happy to land on runways that fulfill the JAR required distance (my operator requires it that way in all cases except emergency).
When I have a heavy technical problem, or I need to divert immediatly (smoke), I will choose the next airports in my immediate range, choose the best runway for my needs (length, width, state, crosswind, type of approach etc...) and will land there.
And in some cases I'll have to land with actual landing distances with only little safety margin (for example + 8% for 5kt high on Vapp).