Minimums for some people are numbers (even if you think they are arbitrary) and for some it's a "feeling"
The non-tangible things people are trying to put labels on here all fall into the category of 'airmanship'. More specifically, the component of airmanship called 'judgment'.
Judgment is a complicated entity, because it generally takes experience to develop -- early on in an aviator's career, their judgment is generally formed my mimicking the decisions made by their teachers/instructors, and once they're out of the training nest, they many times learn from the decisions of their peer pilots. Eventually, as the pilot has their own experiences, they're able to modify that judgment based on their own capabilities and perceptions about situations.
In this discussion about "personal minimums", all we're really saying is that some people are exercising conservative judgment. People who, based on their personal knowledge of their own skills, their own experience (or lack of it), their equipment, their situational awareness, etc, decided that published minimum weather was too low for them to execute safely.
I fail to see, exactly, what is wrong with that.
More specifically, isn't that exactly what we have been taught as students from our first day in the cockpit? To learn and exercise good judgment? And for what...in the name of safety, right?
It's all fine to think less of a pilot because they're not comfortable with the same things you are. It's fine to be critical of a pilot because they've chosen some personal limitation that you feel is based on nothing but arbitrary criteria. It's all fine to not understand why a pilot doesn't use the full extent of the privileges authorized by his license. What's not all right, IMHO, is for us to criticize peer pilots for exercising conservative judgment.
But, the reality is, for most of you there's no war. For the vast majority of pilots on the vast majority of flights, there is nobody that is going to die because a pilot chose to make the conservative answer. It's not like the Close Air Support pilot who, because he chooses to make the conservative call and not make that night strafe pass in the mountain valley and left friendly troops open to enemy fire, or the dustoff pilot who won't fly into the brownout and the casualty on the ground dies because he couldn't get treatment in time. There's no war here.
The risk, the life-and-death consequence in the vast majority of the flying pilot's do is pilot error. The pilot getting himself in over his head and beyond his own capabilities is the
real risk.
What keeps us from getting into those situations is judgment.