There are a number of pilots who bust NDB minima and get away with it -- until they hit something. In the interim they believe themselves a cut above their fellow aviators. Often with their employers' acclaim
There was one accident in Sioux Lookout where the crew hit the NDB mast -- a classic illustration of skill exceeding judgement.
In whitewater canoeing, I am quite willing to run a rapid with an 99% probability of success. If I fail, I get wet and the lifejacket bumps my odds of survival to well over 99.9%
But a 99% probability of success busting minima in an approach gives you a 1% probability of incurring an event with at best a 5% survival rate.