I have observed myself and tell it confidently that there is shift in human psychology on approach. As I get closer to ground on approach there is shift in my readiness, consciousness about go around. At 1000ft to land, I am fully spring loaded to go-around if it warrants. At 500ft, not so much ready and by 300-200 ft to land I am totally going for landing, going around is no option that I remember.
In simulator, things are different. I am more inclined to go-around to show the instructor/examiner my readiness, since I know it won't spoil my fuel burn record or damage the aircraft.
I wonder if such shift be stopped by some conscious practice?
I'd say you should certainly keep that "GA readiness" all the way down to the ground- at least until the reversers are out.
Why would you commit to landing at 200ft? You may keep your excellent fuel burn record, but at the expense of your accident record.
Your choice.