60m with good viz and conditions and warm water is very different than cold and dark. The former I’d be ok with if for a particular reason. The latter - **** that. Can’t see **** anyhow after 30m so there would have to be a pretty good reason for me.
I’ve been totally composed at depth in lovely water. I’ve equally been freaked out much shallower in cold dark current wishing it was time to go up.
You are absolutely right.