Note that SurfGF on the Garmin is not calculated in the same way as Shearwater. I dive both a Descent G1 and Shearwater Teric.
At the end of an example dive, the Teric showed a surface GF of 16%, whilst the G1 showed 42%. Identical GF and settings on both computers. When I checked the dive profiles via the log, they were also identical. I asked Garmin to explain what the difference was or how they calculate N2 loading, over a month ago, and have as of yet received no response.
See here:
N2 Loading VS SurfaceGF - Descent G1 - Wearables - Garmin Forums