COMMUTER FLT LANDS BELOW MINIMUMS AS CAPT HAS HIGH MINIMUM HRS.

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THE FLT TOOK PLACE ON FEB/XX/94 FROM BURLINGTON; IA; TO CHICAGO; IL. ACFT IN QUESTION; A SAAB 340B. THE FLT DEPARTED BURLINGTON FOR CHICAGO IN MID AFTERNOON. ABOUT 50 NM OUT OF CHICAGO; CAPT RECEIVED ORD ATIS. ATIS RPTED 1/2 MI VISIBILITY; 200 FT OVCST; RVR VARIABLE BTWN 3500- 4500 FT. UPON RECEIVING ATIS; OUR DISCUSSION IN THE COCKPIT WAS CAPT BELOW 100 HRS IN SAAB; WITH HIGH MINIMUM RESTRICTION. FOR THIS PARTICULAR ILS APCH ILS 9 CHICAGO O'HARE; THE REQUIREMENTS WERE 1 MI VISIBILITY OR RVR 5000 FT. I ADVISED CAPT OF THESE REQUIREMENTS AND QUESTIONED HIS INTENTIONS. HIS REPLY WAS 'WE'LL DISCONTINUE THE APCH PRIOR TO THE FINAL APCH FIX.' THE APCH WAS MISSED; AND WE WERE VECTORED AROUND FOR ANOTHER ILS APCH TO THE SAME RWY. TENSION IN THE COCKPIT INCREASED DUE TO THE FACT THE AIR FRAME WAS COLLECTING A GREAT DEAL OF ICE. FLT INTERCEPTED THE LOC TO ILS 9; 20 NM OUT. CAPT SAID IT WAS BETTER TO LAND THEN TO ICE UP AND CRASH. CAPT ASKED THE CTLR THE RVR -- IT WAS 4500 FT AT THE TIME. CAPT ASKED FOR TWR VISIBILITY -- IT WAS RPTED 1 1/2 MI. FLT CONTINUED THE APCH TO A SUCCESSFUL LNDG. CAPT REASONING WAS IF HE COULD GET THE CTLR TO RPT TWR VISIBILITY AND NOT RVR; IF THAT RPT WAS GREATER THAN THE MINIMUM; THEN HE WAS OK TO CONTINUE THE APCH. (I DISAGREE.) RVR IS CTLING. MY GAME PLAN -- HOLD ABOVE THE CLOUD DECK UNTIL RVR COMES UP OR FLY TO ALTERNATE FUEL WAS NO PROB.