SSG, the accident you refer to in Goma was actualy an above V1 reject. They got airborne and decided it was safer to "return" from a few feet off the ground.
Your operator might not try to squeeze every cent he can to turn a profit at the end of the year but most do. If they don't save there, they will cheap somewhere else...
Using TOGA every TO will reduce engine reliability thus componding your odds of having and engine failure at TO.
If would push the landing instead of going around, my operator would take care of finishing me off (if,as you believe, I would walk away). Could you tell me of a well executed GA that ended with a prang?
I am happy to flex when I can and I would continue the TO above V1 unless I know for sure the aircraft won't fly! I wish you (and your estate)luck if you ever fly your airplne outside the manufaturer's parameter. The lawyers would have it easy!