What if you're a regular woman with a decent SAC (as even new diver women often do have), diving a typical reef profile and you happened to rent a 100?
Your buddy will be low on air...
You will reach the dive operators max dive time...
Rent a smaller tank it will be more comfortable
(note you describe my dive buddy, smaller, experienced woman, she dives with an appropriate tank)
We use Mares Puck computers and don't find a limit due to NDL on 'normal reef' dives, we have just done a live aboard, 21 repetitive dives over 7 days, most days were 4 dives, typical dive time 60minutes, and this was the limit set by the dive operator.