Sure; I know that cloudbase (or ceiling
) are not a ban on "going down and having a look" and that the RVR/vis approach ban applies only if it is operative
at 1000ft, but for me much would depend on whether I actually wanted to be at the destination versus wanting to be at any of the alternates.
I find that in most cases the alternates are highly inconvenient dumps, so if the wx was marginal I would stay at home. The only exception which immediately comes to mind would be a holiday in Croatia where you have a pick of several nice destinations down the Adriatic, each with an airport with customs and avgas etc. In N Europe the alternates are rarely desirable. OTOH if I was being paid for the flying, by the hour or whatever, I would "have a go" because there is always a chance of getting in, and I would still be getting paid (and put up in a hotel etc) if I diverted.
If one flies for business, the decision is not that different to private flying because in most cases anything but the destination is a total waste of time - because a weather alternate is not likely to be too near.
It's not that one could not fly to minima every time. Going down the ILS on the autopilot and going around is a piece of cake. But if you are non-deiced then a cloudbase of say 300ft probably means heavy warm front wx with fine icing conditions high up, so the cancellation is not done on the basis of surface wx but is done on the basis of high altitude wx.