The flap motor argument is mute as you would use approach flap and not landing flap until break out.
Also when you break out and continue VFR...well the ‘stabilized approach’ drops down to a recommended 500’
Flap motor? What if you have a vacuum pump failure the moment you go missed? Alternator failure? Or any other single system?
Simple single engine single system aircraft are not suited for hard IFR.
Been there done that, flown approaches down to the ground in 40 year old junk when I was a CFI. Never again thank you.
Approach flap at FAF, if you break out above 500’ AGL you can consider adding flap as required.