To be analytical, I have to say that I don't see any kind of "subtlety" that might have been overlooked by an otherwise "good pilot".
If you are following normal procedures, you are establishing an approach profile which is clear and familiar. We always put the ILS in when available, even CAVU, to keep from lining up with the wrong runway. Speeds are calculated, briefed, set, and followed. I'll bet it was normal practice for this crew, too. So, why wasn't that regime followed on this aproach? One hundred over Vref? Am I missing something?
I just don't see how a "split second decision" might have lasted from ten miles out to short final.