Centaurus, again I'd like to ask a question: How do you know the reason for the F/O's decision to call G/A or Stop? There's no way of nowing is the correct answer. In this case it might be the PIC's personal judgement of the carachter in the RHS that will jeopardise the whole thing. Just because we're young doesn't necesarily say that we blurt out "stops" and G/A orders just because we feel a bit nervous!? Have you seen it happen? Have you gone against a F/O on a call like this? If so, what was the situation? Stabilized approach concept?
I would say that it's bad airmanship no to listen to the F/O when he says something as serious as stop or G/A. My personal opinion.
/LnS