As the Pilot In Command, you’re responsible for flying a safe descent profile. It is certainly “legal” to ask for descent.
Sometimes, the VATSIM controller, for whatever reason, may not issue you a descent clearance in time. When that happens, if I’ve previously been assigned a cruising altitude, I would ask the controller for a descent. If I’ve been flying an “As Filed” flight plan, I would go ahead to follow the STAR altitude, and inform the controller of my action.