You're wrong in that there is no way to describe characters in Chinese to other speakers. There are certain words you use to describe strokes. The equivalent in English would be something like "there is a cross on the left and a flower on the right." Chinese speakers do this all the time, so I'm kind of surprised you jump to this conclusion when it's clear you aren't knowledgeable on the issue.
[1] http://necromanc.blogspot.com/2006/05/most-complicated-chine...
[2] http://www.chinese-forums.com/index.php?/topic/437-most-comp...
Most simplified characters can be explained with a handful of strokes. Furthermore, many of them can be broken down into "radicals" which are commonly repeated patterns.
First of all, [1] is ridiculous. Second of all, you just do it recursively. I would describe the first example roughly as follows:
Walking radical (162); cave top (116); to the left a left-right combination with "moon" on the left (74) and a thread radical (52) above "long" (168) on the right; in the middle "speech" (149) above "horse" (187); to the right, a left-right combination with thread above "long" on the left, and a knife radical (18) on the right; under all of that, a heart radical (61).
Numbers refer to the chart here
http://www.yellowbridge.com/chinese/radicals.php
In practice, it is very common for two Chinese people to meet for the first time and explain to each other which characters their name are. This normally does not involve pulling out pencil and paper.
龘 == three dragons stack
驫 == three horses stack
It's pretty simple and straight forward.
Some characters would be harder for me to remember than this, because this particular character is made up of common used components.