"I would normally take flap 1 at this point"?
Much of what you ask is written down in SOPs - e.g. F1 200 kts no later than 10 miles out so it's not so much a question of "I would normally...etc" rather (at say 12 miles) - "approaching ten miles we need to select Flap 1". Also these "gates" are limits and not targets - the Captain is at liberty (and indeed is obliged) to apply more stringent limits should he/she deem necessary.
It's highly likely in this scenario that the FO (or it could be the Captain if he is PF) lacks "Situational Awareness", often due to task saturation.
Then say the FO responds with "I think we're ok for now"
I hope he/she wouldn't! Not a very tactful thing to say! But if/she did I would be inclined to say something along the lines of "you might think we are ok but I am not happy - let's select Flap 1 now!".