I intentionally did my instrument ticket in an Arrow, because I find that the additional configuration changes sets you up for success. You can slow the plane quite easily, cause it cruises not much above gear speed and gear speed will get you down to flap speed. It also prepares you for moving into higher performance complex planes.
Anyway, my CFII taught me the 3-2-1 rule, and I follow that even in a fixed gear plane, just with a slight change.
3 Miles to the FAF, drop the gear (or slow to flap speed)
2 Miles to the FAF put in the first flap setting.
No configuration changes until 1 mile out from the runway, unless you get the runway in sight.
This will get you to the magic 90 with ease in almost all light singles, as long as you know your power settings. It also gives you a little time to configure at minimums when you see the runway.
Now, if I'm visual with the runway and there is someone behind me, especially someone faster and I've got over 4000 feet? I'll fly it down at 140 knots till a 3 mile final like I did at KSNA about a month ago. If I'm in the clouds, I don't care who is behind me - they can break off the approach or I can. I'm doing it slow and safe.
You fly the approach too fast, and I proved that
Tantalum and I are based at probably the ILS airport with the shortest landing distance available on earth, at 3400'. You definitely need to be on your game.