Good vis in howling winds and I fly the aircraft to about 500 ft where the F/O takes over to land
I humbly suggest that if the winds were howling that much then the FO probably would not be doing the landing and this would have been discussed beforehand. If the weather is okay then the take-over would normally be around 1000', with plenty of time to get a feel for it. If the weather is at or close to limits then it will be the FO flying the approach for the captain's landing. As you say, plenty of opportunity for captains to cock it up but I suppose it has to be assumed, when designing these procedures, that someone is allegedly more capable and it seems reasonable to assume the captain will reach those lofty expectations.