But the report is quite specific that "the crew" had the legally required visual reference at the MDA.
Sure? How is that visual reference defined? If it is simply 'approach lights' that IMHO is insufficient; unless it assumes that there pilots are responsible for determining that 'approach lights' are not car park or highway lights. If so, that requires the pilots to know exactly what type of approach lights they expect to see at MDA and how much of then defines 'approach lights'. Because here is not correlation between MDA and approach light length and viability, it is difficult to assess what you might see at MDA. So to define what is legal and what is not is beyond grey area; it is deep in the most & fog of uncertainty. That is not what you need so close to invisible ground. 'Hoping' that the lights you see will guide you to a safe landing on the runway should not be the name of our game. We and the pax need more certainty.