Id like to pose some different perspectives on following the rules. First, the rules arent entirely arbitrary. In terms of decompression-related limits, these are based on experimental data, sure, we can fudge our depths and times, and we might even get away with it, but we diminish our margin of safety. No problem if you love being underwater so much that a couple extra minutes is worth the potential injury. Its your call, at least to a point. Other rules have come about from experience not just the experience of a single person, but the collective experience of many in the sport. Those who cant learn from history are condemned to repeat it.
When diving on a commercial dive boat, we really need to respect the limitations set out by the captain and crew. Were diving on their insurance, and whether we like it or not, the operator has a lot to lose if an accident or injury occurs. Go ahead and whine about not getting your couple extra minutes, but that is ALL you have to lose. The dive operator has his livelihood on the line. He can lose his insurance, his boat, everything. If you want to ignore the rules, go out and buy your own boat, gather up a crew, and go out and have fun!
Certainly, divers should be able to make their own decisions, but not when those decisions have a direct impact on someone else. Ive had friends and acquaintances injured and killed while diving. Sometimes they pay the price, and sometimes others end up paying for their mistakes as well.