9 out of 10? More like 99.999 out of 100.000.
On the one occasion I have not been cleared to descend on the ILS, due to a single GA calling in with very long position report and confused replies, I descended and got landing clearance at 400'. ATC thanked me for continuing as a Go-Around at 2500' would have directly interfered with the inbound GA.
I would advocate continuing the approach and descending if you have no instructions to the contrary. If ATC don't want you to continue, they will tell you soon enough.
A Go Around only makes a busy situation much worse.