Mike wrote:

Approaches are designed to be flown to the MDA which provides a
reasonable safety margin already. If you don't have the skills to fly
to the MDA, pick an easier approach in which you can or don't fly IFR.

When I did my checkride, I was taught the same.

You can descend saying "1900 for 460..." and maybe get to 480 or 490 by
the MDA, but DON'T BUST IT! Arriving at the MDA at 660 would raise
issues with the examiner, as you're not demonstrating complete control
of the airplane.

Remember, you're also expected to be centered on lateral guidance, so
you should be fine @ MDA. Haven't set the altimeter correctly? You'll
still fail! G

I don't agree with the "cushion" on a checkride.