Loki - because we fly in lots of different ATC sectors we often get 'descend FLxxx' which on query turns out to be 'when ready' or 'at pilot's discretion'. Not everyone is like you and says 'when ready'. This probably makes us wary!
BTW Any chance of the CAP 'guidance'?
5miles- all modern FMCs can (should) be programmed with the published altitude restrictions. There is NO excuse! I agree with you, it is a pain to have to read back 'level 75 before MID' when you and I know it is in the STAR!