If you have accurate navigation, you might be safe below MEA (above MTCA) but why would you want to descend below MEA? Do you have an example of an approach where this might be considered?
If for example the MEA left you 'high' on the profile, there would probably be a holding pattern in which you could lose the extra altitude.
When you are 'cleared for the approach' you have ATC clearance to follow the published horizontal and vertical patterns as published. Terrain clearance remains the responsibility of the PIC (as always). Just comply with the charted minimum altitudes for each route segment and you should be OK. Some climates may require temperature correction, again at the discretion of the PIC.
There have been multiple examples of pilots applying their own interpretation of minimum altitudes which have resulted in disaster (TWA 727 at IAD, Iberia 727 at BIO). If they had followed the charts (or taken a cautious approach to the ATC clearance given) they and their passengers would still be alive.
Bottom line: don't be too anxious to descend. There should always be time to take stock and make sure you are in a safe place before you start down the approach.
Hope this helps.
Eck