Basking Ridge Diver
Contributor
It's a common-sense principle, not a mathematical rule.
A percentage could work in all cases. For example 10% is easy to follow and could be implemented round up to the nearest minute.
But I think we digress - NDL's are not a clear Red Line - but a Grey Area for each individual. You need to know your risk tolerance and your honest assessment of your physical attributes. If you are not in shape and you are prone to forgetting your situational awareness including monitoring your gas and NDLs. You may want to dive more conservatively than 25%...
But this is all being an adult diver and figuring out what is best for you. Because when you get hurt - all you need to do is look in a mirror and explain to yourself and your family what happened.
Take your training or venture into lite deco knowing the risks.