In that case what would you do? Risk an emergency forced landing with no power or a possibly hazardous landing in severe weather conditions at a fully equipped airport while the aircraft was still functioning perfectly? The decision is yours & you have to make it now.
If in doubt, divert, and make the decision earlier rather than later...
To put it in perspective, we use diversion fuels, which mean if you divert from base (for example in the circuit), you can divert to to a nominated diversion (as weather permits/dictates - on a good day that may be 10 minutes away, on a bad day it could be in the far north of Scotland), and still land there with you minimum allowable fuel load. If you havent landed and you go below the diversion fuel, you divert. Then if the aircraft in front of you has a mishap on landing (for example), you are not "screwed" yourself.