In the 121 world it is pretty straight forward. The regs (and I'm sure most OPSECS) state that an approach shall not commence unless the weather at the destination is greater then the mins, and of coarse by weather they are referring to visibility (except at some rare airports where the ceiling is controlling also).
In your example you were wondering if a reported above min VIS in the RMK section would supersede the below min VIS in the main body of the METAR. This happens quite a bit, especially in the northeast during the wintertime. More often, instead of an above min vis report in the RMK section, the tower will report the surface visibility as you are vectored or cleared for the approach.
"Fly heading 010 to intercept the localizer, maintain 2000 until established, cleared ILS/DME runway 33L, tower reports RVR 4000'"
You get this kind of thing all the time, often when the METAR or ATIS or showing a VIS at or below mins. Once you have the reported VIS, you're good to go. Now to land, of course, you still require then min FLIGHT visibility, when can only be determined by the pilots anyway.
Part 91 flying made things so much easier. You needed 0/0 to shoot an approach. Start the approach, hope you break out at the mins, land if you do, missed approach if you don't!