I just thought I'd address directly what other posters have hinted at... How you handle any situation depends a great deal on your experience, the equipment you're flying and many many other factors. I may not handle the situations you describe the same way every time. If you're fairly inexperienced, in the clouds alone, feeling overworked, it's a bumpy ride and they report that the vis is 0 in blowing snow, I say screw the approach and take your alternate. It is unlikely that you'll ever see the runway, but the chances of screwing up on the landing or the missed under these conditions is pretty high.
If it's a nice calm ride, you feel caught up, you've shot the approach a million times, the weather is reported right at mins or slightly below... Sure as heck I'm going to go down and have a look.
Bottom Line, always be aware of your whole situation, and make the best decision for your current situation. And when in doubt, start at the hearing and work backwards!