airman13, I think you've got the right balance, from an ATC perspective you can continue the approach beyond your minima without a landing clearance but except in an emergency I wouldn't expect you to try and land unless you have a clearance. The point at which you go around may be determined by either the controller or the pilot but I would expect the controller to keep you informed (if he/she can) of the situation and why you cannot land until the G/A. Similarly, I would expect a pilot who is going to land without a clearance to transmit those intentions.