@dtuuri @Tarheelpilot - it seems you two are talking past each other. You're both partially correct, but from different perspectives.
Circling MDAs provide a minimum of 300 feet of obstacle/terrain clearance within the designated circling radius. But once you start descending, there is no more obstacle clearance until you are on final (and not always then, either). Thus, for a generic circling at night situation, consider this:
Assume Circling MDA is 1500 HAA (Height Above Airport). Yes, this means about a 5 nm descent at 3 degrees. Yes, it can be total flight track distance, meaning curved. But here's the problem. It's night. You're maybe on downwind a couple miles from the runway, well within the circling radius. You decide it looks like a good time to start a normal descent. BUT, that 1500 HAA Circling MDA is based on the 1200 ft hill that is just in front of you on your downwind. Or maybe on base. Once you start the descent, there is NO guaranteed obstacle clearance throughout that descent to the runway. Once you descend 300 feet, you hit the hill. Pretty straightforward.
The only place there is any protection at all is on final. On final, for a circling-only approach, a "20:1 slope" is evaluated, but only out to 10,000 feet from the runway end (so, ~1.6 nm). If obstacles penetrate this, circling is STILL allowed, since this is a "visual" segment and the pilot is expected to see and avoid those obstacles. If the obstacles are not lit, then the procedure is NA at night, because obviously the pilot can't see them then. But outside of that 1.6 nm, there is no evaluation of obstacles for this purpose.
So in short, there is no guaranteed protection at all when below the Circling MDA until closer than 1.6 nm on final. And even then, it's "don't hit the stuff you see"-type protection.
So whether you start descending from that 1500 HAA altitude on downwind or set up for a 5 mile final, either way there isn't much protection. It's no wonder that circling procedures at night are one of the most dangerous maneuvers in aviation and why many flight departments don't allow them.
Now, that said, it's not usually quite that bad. Obviously, lower approach categories usually have lower MDAs, so once you're within the next lower category's radius, you may have obstacle clearance again - but that's a lot of mental figuring to do when you're already low and slow.
And, of course, the above examples are of a circling-only procedure in isolation - if there are straight-in procedures to a runway, then there are by definition more protections for that runway, which would possibly help keep you safe(r) if you're circling to it off another procedure.