To slightly change the discussion, let me present a scenario which may well be pertinant to the accident under discussion.
You are flying a routine approach in IMC, you have set up the autopilot and all appears to be well but you have made a mistake - we all make mistakes occasionally.
You break out of cloud at 500 feet and find yourself decending at 1000 fpm. You now have 30 seconds to stay out of the water. This is a nasty surprise, you really should have been paying more attention to monitoring but there is no time for recriminations, what do you do next ?
a) Try to figure out why the system is doing something unexpected and fix it.
b) Disconnect the autopilot and recover manually.
Are your reactions and skills up to the challenge ?