I think others have already stated that some of this should have been covered in your course, but a lot of it is learning yourself, and learning how your body reacts.
A few points though -
Cold - funny subject. I believe that there was some research (I need to find the links/sources...) some time back, that strangely enough when a diver is cold, and the blood vessels constricted, that actually limits gas ontake, and divers that were cold throughout a dive actually bubbled less at the end. However, note that I said THROUGHOUT the dive. The big risk for divers, and the most common situation - is when they start off warm/hot at the start of the dive, so that the tissues are well perfused with blood and therefore on gassing is more effective, and then get cold towards the end of the dive, the blood vessels constrict, and off gassing is far less effective. That is a recipe for DCS.
The other point is that its very hard to draw a line of "bent" / "not bent" - remember, when you get out of the water you're still decompressing (off gassing). That's exactly why you don't then jump on a plane, or drive to the top of a mountain. Learning about decompression, as I understand it, is a lot to do with learning what is and isn't effective for yourself (and I'm yet to do a proper AN/DP course, but I try to understand the theory because it still relates to recreational diving...but thats a whole other argument...). However, as many have stated, padding stops at the shallower depths, might help, but you need to look at it as an overall picture. It sounds like the type of deco you are doing is almost "bend and mend" - stops all in the shallows. Do you even do a half depth stop? If it's a 30m (100ft) dive, I'm starting some stops, even recreationally, at 15m, to try and slow bubble formation and off gas better - and I normally feel better for it.
N.B. There is a limit to how effective the deep stops are before you start on gassing again.
A computer, or even back up tables, aren't set in stone. It doesn't take into account your thermal capacity, or how you feel that day, etc etc. Its a learning process, and you might find in time that your "conservative" computer is not very conservative compared to how you like to dive.