Just to clarify, in case your are confusing too issues. Planning minima & operation inflight minima, as you seem to understand are just that. NPA and ceilings: you seem to be considering approach bans. In EASA approach bans are based on RVR not ceiling. Thus, you could elect to make an NPA approach with BKN/OVC at or below DA (agl).
However, planning to depart to an NPA would usually require cloud base to be DA + company (EASA) buffer. The planning conditions are only to dictate how many alternates you need, and common sense FOB.