I (as a rec diver) don't know or care what gradient factors are, let alone what specific values they might have. In fact, there's a good chance that I (as a rec diver) firmly believe that the manufacturer has configured their computer to get me out of the water with no risk of an accident.
I (as a computer manufacturer) would think long and hard about that, taking advice from decompression experts as well as my marketing and legal teams.
I know, for example that Mares vary their GFs as a function of surface interval and, although it probably makes little difference to NDL dives, bubble measurement data seems to indicate that the appropriate GFs may depend on inert gas loading and distribution.
Not completely sure what you mean here, zhl's coefficients certainly are fixed, but the whole point of GFs is to modify their effective values. There are of course combinations which create impractical results such as GFhi = 30 which may never allow surfacing from a deco dive if the last stop is programmed for 6m, but manufacturers generally do check for this. If you have a shearwater you might like to try its planner to see what it tells you.