i learned this from a lady that has 20+ years in already and hasnt seemed to fall short yet. When you arrived at a 4 pt MVA, expect the worse scenario. i would say at minimum you should have requested other units en route, with ALS if not already there, and a care flight ready on call if available, and a fire engine for lift assist and in case a fire springs up. then triage and asses, consider what you actually need and either turn some back or wait for arrival. She always says to call what you might need in worse case and turn back what you dont need in the end.