I totally agree with a lot of your post, by all means per your airline's policies all of the opening scenarios should normally result in a missed approach.
So now lets assume that we were fully configured and on speed by the FAF (which is the policy at mine). We start down the slope and then lose it, I wouldn't have an issue with continuing down to the MDA. Maybe I had the chance to reset the bugs, maybe the PNF took care of it. But those are pilot aids and they're there to provide backup to me and to the PNF. The primary means is still either me or the PNF noting that we're at minimums and not what the little GPWS or RA or whatever particular system's voice it is on that specific plane's voice tells me. Sure you can just execute the missed and be perfectly safe and fine but I also beleive you could continue and be safe and fine. If you're flying and I'm the PNF and you chose to go missed, great, it's your perogative and I'm not gonna give you grief about it. Hey, maybe I didn't like the way it was going and I decided to go missed too. I'm sure we can both completely agree that flying is dynamic.
I'm not meaning that in a disparaging way either. I just don't like things to get to the point where the most important thing is the computer taking care of business and me watching it helplessly. I look at it this way. We may have become more simply systems managers in modern aircraft but we are all still pilots. Passengers or boxes or nothing in the back, we're still supposed to be able to fly the plane to include instruments. All those nifty toys are great additions to SA and they're great safety backups. However, they are simply pilot aids. I think they've become too much of a crutch for many people.