I agree, when I was flying on a Cat 1 approach minimums were the same as coupled. On a Cat 2 or 3 of course you need it. Once in a while the auto stuff craps out before breaking out with only 100 more feet to minimums so you just proceed, you don't have to go around unless handflying at minimums you don't have the runway in sight. On a Cat 2 or 3 you have to go around.
ap