I think that, if I was stupid enough to get myself stuck above cloud (having no IMC), I would probably opt to try a straight ahead descent on instruments (telling D&D what I was up to and taking their advice) unless the instruments were broken.
I'm guessing that you would do this if you were low on fuel or had another problem forcing you down?
By remaining above and talking to someone on the ground you may find that there is an area within easy flying distance/time where the WX is perhaps SCT/BKN and such a perilous descent is not actually required
(A.N.C., A.N.C., I hear everyone shout, but surely part of "A" is knowing all of your available options?)