VFR on top: yes, I have done it and would do so again.
If in a single, I ensure the ceiling is high enough that I can conduct an orthodox and planned forced landing after descending below the cloud base. Generally I plan to fly over suitable terrain or at an altitude that allows me to glide to suitable terrain.
VFR on top in a twin also seems fine to me, provided the pilot is qualified to descend through cloud at the destination if required.