No problem P2J, I too await the answer to the question. I recall you offering that theory (a 'pilot training/expectation' response), and as with other theories, it is quite plausible (if not concerning in the greater scheme of things).
As I said, the way you hypothetically approached the situation, (from the armchair, I acknowledge...I'm sitting in mine too),was methodical, logical, involved crew interaction about important initial actions, and crucial actions in the situation given.
As a frequent flyer (customer of airlines), I would expect a line-pilot, regardless of met conditions and given the situation, to apply the same. Wouldn't you?
I agree also that it can't be put purely down to either pilot, aircraft, or systemic failures. I was always taught that an accident was a serious in a chain, and as Air Force pilot trainees we were encouraged to break the chain created by other factors (ie be the human factor that didn't fail). Not always easy or possible.
Cheers