Let's think through a one-way tropical NDL dive (max depth 45 ft, average 30 ft) from shore where the dive plan is to enter at point A, exit at point B further down the coast. Total time in water about 60 mins, EAN32, basically impossible to hit deco. No really appealing exits between A and B, unless you happen to like rock-climbing in surf (haha - no one does). It's a real place in Hawaii; two very easy entry/exit beaches separated by volcanic rock. It's not quite a drift dive but there can be a rather weak littoral current in the direction from A to B.
Bob is the experienced local diver. Bob's SAC rate is 7.25 L / min, measured at home watching TV -- hence not to be confused with the surface RMV of any actual dive. Bob knows that he can easily complete the underwater swim from A to B on a single AL80, starting at 3000 psi at point A, and exiting with ~ 800 psi remaining at point B. Bob also knows that, assuming he can correctly identify the halfway point from underwater landmarks, he should turn the dive if reaching a certain pressure before reaching the halfway point. If he has to turn, the swim back is well within Bob's ability but will require more gas than the swim out. There is a risk of incorrectly identifying the halfway point -- this risk is small for an experienced local like Bob, but not zero. Slow ascent to the surface and swim to the closer beach is always an option, but not a particularly pleasant or appealing one due to boats, surf, sharp rocks, idiots on jet-skis etc.
Bob's friend Alice (same age, physical condition etc.) is visiting Hawaii for the first time and wants to do the same dive with Bob. Bob considers Alice's request, and decides that he isn't comfortable if the most likely, expected outcome is that Alice reaches turn pressure before the halfway point, requiring both to swim back -- Bob wants that to be a sort of emergency plan B, not what everyone expects to happen given the risks mentioned above. Moreover, since it's absolutely trivial, they measure Alice's SAC rate while streaming an episode of their favorite show, and find 6 L /min which is significantly less than Bob's 7.25 L / min. Based on this, Bob decides he is comfortable with the risk and green-lights the dive, with each diver carrying an 80cf alu primary and a pony for emergencies, along with all other standard safety equipment such as DSMB etc. I'm curious about the thoughts of the very experienced divers on this thread. Is Bob acting wisely? One answer that I'm happy to accept is: "this is actually a technical dive, not due to depth but due to environment; no recreational diver should attempt this without further training." I bet lots of them do, though.