If you are diving in a situation where the information on the computer is essential to your safely completing a dive, then you need two computers, and they should be running the same algorithm, GFs, etc. This basically includes overhead and decompression diving.
If you are on an expensive dive trip with several dives/day, all recreational NDL dives, you don’t need two computers to be safe, but it sure would suck if a computer failed on the first day of such a trip and you were without one for the rest. That could cost you more than the price of a back up computer.
One thing that every diver should realize is that the border between NDL and mandatory decompression is a fuzzy line, and that there are things a recreational diver can do to increase his/her safety margin when diving near that fuzzy line or when a computer fails mid-dive. Just do what the computer would tell you to do in the early stages of deco, and you can find out what that is by using the planner on the computer prior to a dive or a software planner running a similar algorithm. We’re not talking about complex technical dives here, we’re talking about how the computer behaves when a diver crosses the line from NDL. The first ceiling is almost always at 10 feet, for up to several minutes, and the 2nd ceiling would be at 20 ft for fewer minutes. So when your computer says goodnight mid dive and it’s a somewhat aggressive recreational dive (or a repetitive dive) you could slowly head to 20 feet, stay there for 2-3 minutes, then go to 10 feet, stay there for more than 5 minutes, 10 would be good (you should have the gas) and that is going to clear N2 from pretty much any dive that’s even reasonably close to either side of NDL.