Apologies for the headache. But GFs can be a headache for the recreational diver. I agree that if you are using a GF on your computer for NDL dives you need to monitor the duration of your bottom time. When you select a particular GF, it will reduce your bottom time not only on your first dive but even further on your second dive and even further on your third dive (common on dive resorts and liveaboards).
The same can be said for other algorithms that offer differing levels of conservatism. I really don't think you understand how GFs work. At least with Buhlmann with GFs should a diver choose, they can use a variety of planning tools to understand how subsequent dives will act. You really can't do that with proprietary algorithms.
If not monitoring your computer (on the subsequent dives), your computer may direct you to complete a multi-stop ascent with the first stop at 21 metres. This surprise may be very challenging for an inexperienced recreational diver.
If a diver is using a dive computer and not monitoring it, then why are they even using the computer? If doing multiple dives a day, the diver needs to ensure they can do all the dives. If they are surprised to find their computer in deco, that's not the fault of the computer, algorithm, or conservatism settings/GFs. That's their own fault.
I'll never understand divers who choose to get a computer then never look at it.
In reality you may not need to do the multi-stop ascent. However, you selected the GF and now you have to decide to either follow the computer on a long multi-stop ascent or just do a 5 min safety stop at 5 metres. What would you do?
Again, you keep using GF as if that's the problem and it's unique to computers that use GFs. It's simply a conservatism setting. If you set a higher conservatism setting, then you will have reduced NDLs compared to the more liberal settings. That's true for Buhlmann, RGBM, DSAT, or whatever. If you choose a particular setting, I'm going to assume you did so for a reason. Therefore, you follow it. It's really not that hard, and has everything to do with conservatism settings, not just those that are adjusted by GFs.
Computers with customizable GFs really only offer the diver to fine tune the conservatism to what they need. Before that diver does that, they really should understand what that means and what the implications of those settings are.
A more conservative GF only reduces NDL time for a NDL dive. It does not, as you stated, automatically turn that dive into a multi-stop deco dive.