Of course it would be better to set it right in the first place. But....
- Your situation describes someone caught between two levels of knowledge. The person understands gradient factors enough to intuit the meaning and significance of such a change in settings and yet still do a safety stop. The diver who overstays NDLs by 10 minutes is well into deco. When a diver goes into deco, the safety stop is no longer a factor. In that case, the diver would use the decompression information on the computer. The computer would be telling him or her how much of a decompression stop to do, and at what depth.
- A computer like that might well have the capacity to switch GFs in mid dive and keep it as an NDL dive, so if the diver decided to add bottom time during the dive, he or she could switch to 45/95 and continue to follow it.
- If the diver wanted to keep it as an NDL dive and extend bottom time, the diver could (on some computers) look at the GF99 factor and stay within NDLs, regardless of what the settings were.
- The diver with such a computer could do the ascent and ignore the safety stop feature or keep it in tech mode, with no safety stop feature, and instead watch the surfGF feature, ascending when the number looks right.
So, with a computer that has those features, as I said before, it is not using a tool for the wrong job, it is understanding the complete capability of your tool and using it to its full advantage.