I think Bill has a point. Because the flight is the responsiblity of the captain, he is under an intrinsic pressure to get his load to its intended destination on time. So his mandate for a safe landing is counterbalanced by his mandate for punctuality, especially punctuality at the appointed city. Every decision he makes before the final decision to land will always be subject to his perception of any risks juxtaposed against the reality of his daily grind, namely that he is expected to get his boss' customers from A to B, since that is what they paid for and what they invariably expect. In that light, it is only normal that a captain might decide it's worth the risk. All of us make that kind of decision every time we choose to run a yellow light. It might never be smart, but if we win, there's a payoff waiting for us on the other side of the intersection. Airline captains run yellow lights too. They do not operate in a vacuum divorced form the economic realities of their profession. They are not astronauts working for NASA. They are employees trying to do their job, get paid for it, and go home at the end of the day. And getting home at the end of the day, sooner, is always better than getting home at the end of the day, later, even if getting home later might entail less risk. As such, the captain is given rules more than laws, guidelines more than rules, and even the rules can be bent, and the ones that shouldn't be bent are ultimately subject to his discretion. So it's a judgement call, in the end. A judgement call made by someone under the pressure of serving two masters at once.
If a captain decides not to land, then no one should be able to say otherwise. But if a captain wants to land, the judgement of a second opinion, an economically-neutral second opinion, a second opinion untainted by the captain's other concerns nor his perception of risk, should be part of that decision. How you would work that is another question. But the notion is valid.
An optimist robs himself of the joy of being pleasantly surprised