No - The time to question is when you become uncertain. Have you ever been in a busy stressful cockpit? Newbie.
If you know that you could throw away an IR test of a couple of grand for the case of getting on the blower and asking for confirmation of a clearance.
You are either foolhardy or arrogant or both.
Last week I was cleared for an approach with the descent. The chap in the right hand seat didnt hear the clearance completely, so what do we do? Descend? Stay at 3k? or a bit of both?