I was just musing about how odd it was that it could be legal to fly above cloud through whose gaps it would be illegal to descend (which, whatever the figures, nobody has disagreed with).
Which brings us nicely to the main point of the sensible things that have been said:
It's up to the individual to always fly or be in a position to always fly within the privileges of his/her respective licence
morals:
1) If you've flown on top, then bust licence minima on the way down then you've left it too late to descend, or shouldn't have been there in the first place.
2) You can never think far enough ahead when flying
3) You'll always be better off staying within the rules, than thinking of ways to get round them (which is what half of these debates, when you get down to the nitty gritty, are what people are trying to do)