Gunky Tom
If you dont have a landing clearance by DH and don't have an emergency, then follow the missed app procedure.
You've obviously never operated out of somewhere like LHR, where I would estimate 1 time in 20 you don't landing clearance until below 200ft, and sometimes not until literally in the flare
.
As I said before, I think the US system of cleared to land as number 6 has some merits.