Rev Doctor Doug,
Hopeful rather than accurate.
I have been summoned by She who Must Be Obeyed so cannot complete my intended answer - let us just say as an opening gambit that anytime you go to a destination with poor weather, the probability of executing a missed approach begins to approach certainty while the probability of an engine failure remains undiminished. It is not double jeopardy at all. You will also find that most legal systems do in fact burden the PIC with descending to a safe minima - and I would love to face your argument acroos the bench in a court.
Be back soon to deal with the other problems in your offering...