Guy, one of the underlying tenets of overhead or deco diving is being conservative and redundant to the point of almost being ludicrous. If I am contemplating a deco dive, I'll be adhering to the rule of thirds, and possibly quarters. Why? At those depths, gas gets consumed quite briskly and your deco obligation increases exponentially. Ergo, I am incredibly uncomfortable relying on the base "reserve" used by any AI PDC. In fact, if I am going to willingly enter into any mandatory deco obligation, I want redundant gas as well as a deco gas. If I am begrudgingly entering in that situation due to an unforeseen circumstance, then my entire focus will be to get out from under that obligation as soon as possible with the least amount of risk possible.
When you're in the thick of it, it's one thing. Entanglements, finding the anchor and other issues might make deco a necessity and you need to assess as well as use all of the resources at your disposal to be sure it doesn't turn into an emergency. Just don't let that "gas time left" figure lull you into complacency. You should be alarmed that you've eroded your safety buffer and be taking steps to get it back safely. I'm not taking exception to what you wrote as much as adding the caveat, that divers shouldn't enter into deco casually and they really shouldn't use the "gas time left" as an excuse to enter into a mandatory deco obligation casually.
One last thing: If you're on an 'unplanned' deco, use as much gas as you can to fulfill your obligation. That talk about getting on the boat with at least 500psi left in your tank ceases to apply anymore. Just don't drown trying to get that last breath! Running out of gas at depth can be distressing. If I still had deco left, I would ascend at 50PSI and get on oxygen when I'm on the boat. I would be on that O2 at least 20 minutes or 5 times the amount of deco I missed, which ever is longer, monitor myself for DCS (taking appropriate steps) and staying out of the water for 24 hours.