Has the airport been officially closed? Is the weather below the airline's lowest mins? Is an official weather phenomena being reported that would prevent landing per the FOM, i.e. microburst or windshear? Is this the last leg of the trip? Does either pilot have a flight to catch to commute home? Is the game about to start? Is either pilot's car parked there?
If the answer to the first three is "no" and any one of the last four "yes", turn the seat belt sign on early, and shoot the approach.
If the answer to the first is "yes" but the other two "no" and more than one of the last four "yes", argue with controllers to allow you a "look-see", then turn the seat belt sign on and shoot the approach.
I wish this were
but way too many captains do the above. There's "safe" minimums, "company" minimums, "FAA" minimums, "gotta get home" minimums, and the scariest of all, "freight dawg" mins.