I hear both sides on this subject. The biggest talking point with 10 flaps is when you go missed you *could* und up in a power on/ elevator trim stall situation. The added somatogravic illusions in IMC could lead to that occurring. Adding flaps at an MDA will also lead to ballooning and getting high, then having to re-trim the airplane, all being potentially unstable..then maybe leading to being high.
On the other side, is it really considered stabilized to dump 30 flaps at 400/200 feet? Probably not! But in a 172 it is entirely manageable if you have the experience..
Boils down to pilot experience in my opinion as a CFII. If I myself am flying I'll wait til I break out to throw in the flaps. Just my preference.