depends on how deep you are going.. if you go to slow and do deep stuff it can severely cut into your actual allowable time at depth..
If its a 100fsw dive and it takes 3 minutes no big deal since you ndl time is around 20 minutes (air), but If I'm doing a failry deep dive say 300fsw,I want to be down there by about 4-5 minutes max, if I take 9 minutes I'm already in serious deco before I actually have seen anything..
For these tyoes of dives You pay about 30 minutes of deco for every5 minutes on bottom (the actual time depends on the model and gases used but its a reasonable approximation)
The one thing to remember there are no absolutes, evrything has to be taken into perspective..