I still don't understand why you would continue when the FAR says if your clearance limit is a fix at which an approach begins, start your descent or descent and approach as close to the EFC time as possible. What parts doesn't satisfy this situation? You were cleared to a fix, you were given an EFC, and the fix is an IAF. Why would you elect to continue on the filed route?
I'm certaintly not disagreeing with anyone...yet! I am just trying to really understand this one. As with the rest of the FAR's, it's all how they are perceived!