As an examiner, the "grey area" on a missed approach is: Did the applicant notice their set-up error and go missed in a safe position or were they not comfortable and went around before any standards were exceeded? If the answer is yes, that is usually acceptable once. If they had to go missed because they exceeded a standard, then that's usually a bust. In this case, the "error" was brought all the way down to "minimums" and not realized before, which would likely be a bust.
PTS:
13. A missed approach or transition to a landing shall be
initiated at Decision Height.
14. Initiates immediately the missed approach when at the
DA/DH, and the required visual references for the runway
are not unmistakably visible and identifiable.