Why would you "decide to use TOGA at the last minute"?
Many reasons,for example:
Forgot to set the flex temp. (If you have never done this you must be the only person who hasn't
)
Engine failure at MTOW from some where like Addis Ababa. (Its a long time between V1 & Vr & your going to climb slowly enough in TOGA).
I'm sure there are many more....