Regards station approaches. On a dry rail at a high speed I would generally brake relatively heavily until the platform, at that point the train will be under control and I would be braking lighter to ensure my train is fully under control. Prior to stopping, I always stop in release with no application for a smooth stop both for the safety of standing passengers and for professional pride in giving a smooth ride. I do brake relatively late but with the train well under control by the time I get to the 'crunch time'. If there's a red on the end of the platform, that all goes out of the window and I (rightly) approach extremely defensively as per driving policy. In poor railhead conditions I brake much earlier and lighter to take the prevailing conditions into account.
On the subject of SPADs, a Cat A is taken much more seriously than a station overshoot which involves no SPAD. Anyone who thinks otherwise should speak to Drivers who have applied for other companies with a Cat A on their record as opposed to a station overshoot. They are both treated completely differently and rightly so. There is minimal risk associated with an overshoot, provided all rules etc are abided by during the incident and in the aftermath. A Cat A SPAD is always a potential risk and there's a shocking number of locations on the network with real potential for collisions if a signal is passed at danger even in the modern day with TPWS. Although the majority of SPADs will generally be contained within the overlap and pose a minimal risk, there are still quite a few that occur which have nearly resulted in derailments or collisions.