The non-instrument rated pilot contacted approach control while returning from a cross-country flight and requested a VFR descent, which was approved. The descent area was over mountainous terrain obscured in clouds. During the last radio contact with the pilot, he reported he was descending out of 5,300 feet msl. The wreckage was located at 5,250 feet msl. Pilot reports confirmed the obscuration of the mountain pass where the accident occurred.