I had the same thoughts. I'm looking forward to a response.
Getting close to 60, I am no longer the "youngster" and want to make sure all is taken care of before I get in. If in doubt - I will always call the dive. I even called a night dive about 6 years ago in the warm clear Red Sea waters because they were changing me to an unknown (to me) guide. They appreciated my concerns and the DM/guide I had been with all day decided to go along and we had a beautiful night dive. She is still my friend to this day and we dive as buddies when I return.
I've done a fair amount of solo diving, so it doesn't bother me to be in the water alone. It would not have helped to have someone with me, except that two lights are better than one.