Well.. with instructor.. But I didn't have much problem. Here is what I'm thinking. I would advocate for anybody to treat every dive as deco dive and do the deco stops as tech divers do. It teaches discipline, it's a good training. I'm NOT advocating crossing NDLs. Whether to cross NDL or not is a personal choice. If the diver isn't crossing NDLs then these deco stops wouldn't hurt, wouldn't they? And it's a good training for buoyancy, air/depth/time monitoring, every OW grad suppose to be able to do, isn't it?
Now here is why I personally think low of NDLs. I know 2 people who developed DCS symptoms who never crossed NDLs, stayed within the recreational diving limits, did "safety stops" etc. With one of them I went on much deeper and challenging dives. I told him "we are gonna ascend as tech divers do, we are gonna use the software, plan it and do it". We did that. We crossed NDL once or twice (I don't remember, but we crossed by couple of minutes), the rest of the dives were within NDLs. He felt perfectly fine. He had another problems after the dives - he didn't have those this time.
So, based on my limited observation, on my reading and understanding, the proper ("tech diver") ascent is much much more important than these pure theoretical NDLs. That's why I personally don't care much about them.