NDL diving and deco diving are different because of the safety stop.
For calculating NDL in rec diving, a GF of 85~95 is usual in dive computers and it's OK, because the 3min@5m safety stop has a big impact. Say you set GF=90 and use the 13min NDL time at 30m. (PZ+ for example gives you 16min NDL time at 30m, so you see they are really not conservative in the NDL.) But then of course you don't shoot to the surface, but as a good NDL diver diligently do your 3min@5m stop. Your effective GF when surfacing after the safety stop is only 70 (!)
Whereas a decompression diver follows the calculated decompression stops, and GFhigh=90 means really surfacing with GF90. I'd never go so high for deco diving, but use 80 and in cold water 75~70. Best way to reduce deco time is a Nitrox stage, but not increasing GF.
So you should really decide before the dive: if you want to stay inside NDL limits and do your safety stop, then GF=90 is OK. But you really shouldn't exceed NDL time then, because then you'll be on a very aggressive deco dive. For a planned deco dive, set a smaller GF value before the dive.