This would be good if you are in VMC. What you described is a reroute and your old flight plan is then out the window. The reason for an IFR flight plan is if you loose radio contact you have a plan. So if you are cleared dirct to ABQ VOR then KABQ and you loose communication you can navigate to the VOR in IMC and do the published procedure. However it would be hard to fly direct to that particular airport in IMC.
First of all, if you loose radio contact, you should have tied it tighter. Sorry, couldn't resist.
Well, I would say the reason for an IFR flight plan is to be able to get an IFR clearance. My ATP examiner was an old Air Force guy that never flew commercially. He tore me a new one for filing an IFR flight plan that didn't include an IAF for the destination airport. In this case, that meant a fix on a ten DME arc on the other side of the field from which we were arriving. I kind of said whatever and did what he wanted. Then when flying, ATC had to ask why we had filed like we did, did we really want to go all the way over there, etc.
In the commercial (real) world, you never do that. You file via the most expeditious means because time is money.
If in the million to one case that you lose all comms, i.e. cannot transmit or receive, then it is pretty simple. The airspace is yours. Hold at your clearance limit until your ETA, then you can proceed direct to the IAF and do whatever approach you feel is appropriate. It is not like ATC is wringing their hands and screaming, "What is he going to DO?!?" They know you will find the ground, hopefully before you run out of fuel. They will be holding IFR arrivals and departures until you call someone on the phone or the tower (if applicable) gets a visual on you.
When we file IFR into Seattle or LAX, we file arrivals that terminate in a heading. What if we lose comms? Do we panic and keep going in a straight line until we run out of fuel? No, you enter a hold at the last fix on the arrival until your ETA (departure time plus ETE), then proceed to an IAF and due a full procedure approach.