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True, but the definition of "Clearance Limit" and "EFC" (per the AIM), can cause some confusion on this topic:

Quote:

Clearance Limit (FAA): The fix, point, or location to which an aircraft is cleared when issued an air traffic clearance.

Clearance Limit (ICAO): The point of which an aircraft is granted an air traffic control clearance.

Expect Further Clearance [Time] (FAA): The time a pilot can expect to receive clearance beyond a clearance limit.

The wording in 91.185 actually tells you the priority for the 4 cases that apply to routing. They are in order of precedence.
BTW the mnemonic most use to remember them is avenue f mea.

For routing in order:
A ssigned
V ectored
E xpected
F iled

So in your example fly your Assigned routing until your EFC(the expected) and then when that is up fly your Filed route.

For Altitude the highest of:
M inimum
E xpected
A ssigned

Also just because you are cleared to a navaid that happens to be an IAF somewhere does not mean that you should fly a random approach to an airfield where ATC does not expect you to go. If you are IMC the entire time fly to your filed destination.