It was merely my opinion, and that was backed up by another poster to boot (whom I don't think felt that I was being a jerk about it). Your points are valid, but your execution is lacking.
My point was meant to be general: Don't launch unless you know that you have OEI performance on the missed. It's the most basic way you could cover your own butt. Beyond that, you're absolutely right: if you're past the MAP and/or below MDA/DA you could absolutely have problems if you pop one.
But, just about everything we do in aviation has a calculated risk attached to it. If a pilot wants to be 100% safe all the time, then he shouldn't fly. Hell, tagging the deer in an attempt to mitigate the risks of losing an engine below the MDA could kill you too. Me personally? Based on what I've seen in this thread I go missed. If I pop one between where I balked the landing and MDA, well, I'm just one unlucky SOB that day. However, knowledge of the local terrain, knowing that you can maintain the missed approach climb gradient OEI, and yes, even knowledge of the gradients listed in the ODP can all work together to mitigate your risks.
Here's actually a great article about this:
http://www.terps.com/ifrr/jul97.pdf