On a flight from Wilmington Delaware to home, Ocean City Maryland I had this exact situation present itself. Clear blue skies just ten minutes from home but there was a solid layer hanging out over Ocean City, KOXB. My initial thought was to fly the GPS 14 approach, good down to 700'. The wx was reporting Marginal Visual Flight Rules (MVFR). Easy peasy, or so I thought.
I was number two for the field following a Cirrus. We passed each other in the hold, in clear blue sky conditions. I was turned loose to shoot the approach and when I descended down to 700' I was still on top of a solid layer. I'm not sure how the Cirrus pilot had got in but that's his issue. I climbed out, going missed and pointed back out to the hold for who knows how many laps. My thought process had me ask approach for the GPS 32 approach into Ocean City with a decision height of 260'. I knew I would get in. Positive thinking, hold that thought.