Perhaps what you are getting at is that you should be able to hold the safety stop at less than 500 psi...I'll agree that adding the extra pound that you seem to want (500psi weighs approx. a pound, right? depending on the particular tank) is safer....
Not necesasrily. Its not just the weight of the gas, its also the suit compression. The change between 0 - 15' can be VERY significant, especially if you're diving a heavy wetsuit.
Its not all that dangerous to follow the "agency wisdom" in a 3 mil shorty, but it is EXTREMELY dangerous to do so in a 2-piece 7 mil, which may shift by 4-5 lbs from the surface to 15'.
As for the conditions, the silt on this site is new. There was no way to know the bottom was silty to this degree until we got there. Nonetheless, there's nothing dangerous about that unless you crash into it, and with no current, there is no reason to be bothered by it.
The hard bottom dives are very nice and, usually, extremely "simple" dives around here.
As for "trust me", its far better for her to trust
me than to get on a dive boat and trust
them! 
I'm more than a bit interested in seeing that all goes and ends well
My point is that without her demonstrating the buoyancy at the Jetties she should have never gotten to the OW final checkout site in the first place, and without demonstrating neutral buoyancy there she should not have "passed" the course.
As a new diver, you are
inherently going to be doing "trust me" dives for at least a little while. Why? Because you don't
know you lack mastery of a given skill unless you know that you not only should have that skill and what "mastery" is!
The agencies are very interested in seeing you do a mask removal and replacement (good), and a regulator recovery (good), but they seem to have
zero interest in seeing that you can manage a free ascent - a fairly reasonable test of somewhat-competent buoyancy control.
From ANY depth beyond that which you can stand up an out-of-control ascent is unsafe. To issue a card to someone who cannot manage a free ascent makes a mockery of what an OW card is.
Frankly, having seen this now first-hand, my view is that for people I care about I may as well show them how to dive, fill their tanks for them (for free, so as to not run afoul of the law here - or just file an air cert and do it for money!) and say "to hell with the agencies."
The odd thing is that her daughter, who did her cert dives a few weeks prior and who has dove with me since, has "decent" buoyancy control. No, she is not perfect, but she is SAFE in that regard, and if she lost the line she'd be ok coming back up. She's been on a similar site and was fine. I have no problem with her skill level, with that same OW card, issued by the same shop and instructor, at all.
She's quite safe and competent in the water.
I expected that the same instructor, who taught one and then taught the other, would produce a student with the same minimum set of skills.
So much for that idea.