fox niner,
You have a point there, but I'ld like to defend the investigators by asking the rhetorical question: how much speculation should be allowed into accident investigations?
In my opinion, the best lesson for the co-pilot would have been a go-around at 1000ft: "You're not ready with your checklists, try again!" Why that didn't happen, steep cockpit gradient and airline procedures (only the captain can decide to abort approach) played a part. Crew error, yes.
However, I still have doubts about whether the captain was aware of his altitude (that radar failure ment he lost an instrument.)