What I was taught way back was:
1) Don't select full flap until a landing (on the runway) is assured,
2) Don't select flap, when the result will be the requirement to add power to overcome the associated drag.
I suggest that if the above is followed, then the circumstances outlined in the question at the start of this thread is minimised.
These days I believe there is far too much emphasis on following strict procedures and not in teaching students that there are other options on the menu that may be suitable. The student must be able to think outside the box!