Suppose I decide that I will dive x/85 but only surface at 75. I do a deepish multilevel dive that would be a no stop dive for 30/70 (or whatever high conservatism is) and arrive at 6m at gf99 of 70, so I get to go directly to the surface.I think the point is you calculate your NDL off GFHi X but then at the safety stop you wait for your GF99 to drop to Y. I expect with carefully selected Y < X you can get this to keep you exactly for 3 minutes at the stop.
Now why you'd want to do that instead of just stopping for 3 minutes -- or lowering your GFHi to produce a "deco" dive with a 3-minute deco stop at 3 msw -- is another question, and I always thought GF99/SurfGF were just glitzy eye candy, but it doesn't have to eliminate the stop.
I think the catch all 3 minute rule makes better sense.