As a reply to the previous scenario:
In our airport this kind of situation is described so, that if no landing clearance is recieved on final approach until decision point, a/c commences go-around, proceeds via publised missed approach route, joins holding, tries to establish communication with ATC by all possible means, i mean cell phones, other freqs and so on, and after 1 holding pattern a/c is coming to land. That takes approx. 10 minutes or smthing like that, so TWR has the time to figure out what is going on, and take all appropriate measures to ensure that RWY WILL BE FREE when a/c touches down. Also EMER services are informed to ensure safety, because no-one on the ground knows why a/c commenced go-around, so we are prepared for the worse scenario...
In all cases - go around - even if you are 101% sure there's no-one on the RWY... If something still happens, it will be Your head that flies through the air, not Your aircraft...