A real IFR flight plan cannot be accepted without waypoints between origin and destination. In 40 years I have never filed such a flightplan!!
If your IFR fpl is in ICAO you need at least three, ie. End of SID. Start of STAR and End of STAR. Almost without exception those waypoints will have altitude constraints. With regard to End of STAR any altitude constraint in QNH will take into account minimum safe altitude and distance to the FAP. So basically if you cannot get down to the altitude constraint of the Start of STAR or End of STAR then your flightplan is incorrect in as much as your cruise is set too high. Or, another problem simmers have is that they fly too fast too close to their destination which in itself prevents one from descending in a timely manner.
Flightplanning is a bit of a black art. And, too many rely on programmes like PFPX as gospel. These flightplanning programmes should at best be taken as a starting point only.
The whole point of waypoints is that they allow you to control and cross check your speed and altitude during your approach. If at any time you as Commander you feel that you should be descending now then you can ask PF3 for a lower altitude and recompute you flight plan profile. I'm afraid that even today with almost everything taken care of by the on board computers the crew still have to think about stuff. Being a slave to the magenta line as it were can and does kill!