Ah! You point out the fallacy of the "go to the clearance limit" requirement. Funny thing is, the requirement was written when there was no RNAV capability.
Let me ask this: Do you want a checkride answer or a real world one?
Real world: In my planning, I don't choose routes based on lost comm scenarios. We are no longer in an era where we are flying with a single stand-alone radio running on vacuum tubes. Think about what actually has to go wrong to have pilot-side lost comm with our modern and redundant equipment. All the most likely scenarios are emergencies. Heck you'd probably be using your iPad or phone to navigate at that point. And of course, since you are not communicating, even if your failure to communicate is because all the wiring to all of your radios just happened to come loose at exactly the same time, affecting nothing else, and you never encounter visual conditions, ATC doesn't know that. So they are going to treat it as an emergency.
Checkride: I can mouth the rules as well as anyone else, but even then, there is the very first paragraph of the AIM discussion of lost comm (my emphasis):
6-4-1. Two-way Radio Communications Failure
a. It is virtually impossible to provide regulations and procedures applicable to all possible situations associated with two-way radio communications failure. During two-way radio communications failure, when confronted by a situation not covered in the regulation, pilots are expected to exercise good judgment in whatever action they elect to take. Should the situation so dictate they should not be reluctant to use the emergency action contained in 14 CFR Section 91.3(b).