After further testing I found airports with established STARS that you can choose in the default planner spawn at top of decent like it should at the correct altitude. Airports that don’t you have to create your approach with waypoints that you choose (within reason, you don’t have to over do it) to guide you to the ILS or RNAV final course. Once that is done in the default flight planner you spawn at the correct altitude for top of decent. Problem is solved on that front. Asobo still needs to work on the feature but that’s the solution for what I originally posted.