Your question is a good one, and with luck, the answers will get you to think about diving a little differently.
When I got certified, we were basically taught that there was "No decompression limit" diving, and then there was technical or decompression diving. It was never stated, but one came away with the idea that the two were somehow DIFFERENT.
They're not, really.
Every dive is a decompression dive. By that, I mean that every dive involves descending into pressure, absorbing nitrogen, and ascending to lesser pressure and offgassing. At some point, the amount of nitrogen you absorb gets so great that you can't go directly to the surface without an unacceptable risk of decompression symptoms. Although the tables you were taught may have given you the idea that there is a clear and sharp cutoff between the two kinds of dives, there isn't.
The algorithms that are used to generate those tables are mathematical constructs and make certain assumptions about how gases behave in the body. The equations generate numbers, and then tables are then validated to a greater or lesser extent by observing the outcome of a number of dives. The table is considered valid if the rate of DCS seen is less than an arbitrary number. But it's never zero.
There is a lot that is not understood about decompression -- about individual susceptibility, about the role of anatomic abnormalities like patent foramen ovale in increasing risk, about the contribution of such things as cold, exertion and hydration status. As a result, there are, and probably will continue to be, some incidents of DCS which simply cannot be explained. The risk is low if you have good technique and stay within the algorithm limits, but it is always there.
That's precisely the kind of situation where insurance is both useful and affordable. You have a very small risk of a very expensive problem.