X-Wind: Totally depends on how you feel with X-winds. This is usually a matter of experience...once you've done enough of them, it's like riding a bycycle.

VFR Ceiling: Has NOTHING to do with the pilot...a 5000 hour airline pilot who flies a 152 into a low layer without a clearance will hit the same mountain as the private pilot. This has everything to do with Wx forcasts and your knowledge of the local area and Wx patterns.

Visability: A function of your knowledge of the local area and Wx. If it's 3SM and haze in SOCAL I can feel my way around in the vicinity of the home patch, even at night. I wouldn't dream of doing it anywhere else though.

Precision Approach: somewhere between 200 and 1000 AGL, depending on your instrument proficiency. If you do a lot of IMC, 200' should be fine. If not, add some buffer. You can always give yourself extra credit at the home field, because you probably know the approach and freqs by memory, which reduces workload.

Non-precision: These are inherently more dangerous than precision approaches, cuz people screw up the step-down descents. I would say 500' above mins unless you get a lot of IMC practice. Home-field advanatge applies here too.

Missed Approach: This one is easy...the statistics are well documented on this. Your odds get VERY, VERY bad on the third and subsequent attempts. Try it once, and if the Wx is reporting close to or above mins you can try again. But after that, get the heck out of dodge.


T/O Mins: Again, has little to do with experience. Two issues for me...
a) If the engine quits at 400' AGL, will I be able to break out in time to pick a spot to land? If there's nothing downrange but a pasture, a lower ceiling would work. If it's a built up industrial area, you will need more time (and ceiling).
b) If I need to return shortly after T/O can I legally get back in (or legally get into a nearby airport)? For this reason 200 AGL and 1/2 SM is about it for me.