Bearcat - your profile gives no clues. Are you aware that it is routine and correct for 'new and highly inexperienced' co-pilots to operate the a/c approach (and g/a) in low vis procedures and would be a sensible way to handle this approach in this a/c if on Cat I LIMITS?
It is the 'descision' that needs to be looked at, not who was 'flying'. Apart from which we do not know that the F/O WAS flying the a/c when it crashed.
I cannot fault BBF's analysis.