The process of diving does not dramatically change between 90 and 100 feet. There is increased potential for narcosis; your air consumption increases (not necessarily your SAC; the actual quantity of your tank's air per minute); etc.fisherdvm:I have dove to 90 to 93 ft several times in warm weather. It doesn't seem like going to 100 ft would be much different[...]
The deeper you dive, the more critical everything becomes. The details of gas planning become significant, as does paying attention to your instruments. Things have a much greater tendency to cascade at depth. If you don't watch your depth on a deep wall, for example, you can easily find yourself narced, using gas at an accelerated rate, and under a deco obligation. An apparently common reaction I've seen to more advanced classes is to be stunned that you would have ever done some of the dives you'd done before learning about what could go wrong, how to handle it, and how to prevent it.
When I hear of people right out of OW going on deep dives with no understanding of what can go wrong, I cringe. A good deep diving class should at the very least make you *think* more conservatively. Sure, a deep diving class will let you experience diving deeper, but if you get to the deep dives and you're diving the same gear the same way with the same considerations, you've gained all but nothing.