I have no problem with going out in shallow water to drill and test, Ive been out in a little cove (moderately popular dive spot, shallow water, nice boat ramp entry, sandy bottom) here with rebreathers, band masks, helmets, double 130s with two 40s, you name it
but always with a specific reason.
But on operational dives my goal is to always dive the minimum configuration that is commensurate with getting the task done and with predictable risks. Lately, I see a lot of divers giving themselves more trouble by trying to impress everyone on the boat (or in the parking lot) with all the gear that they have to carry to make the dive, its just plain macho stupid.
I plan for my dive, generally at a SAC of 0.75.
I first figure the gas that I'll need for the planned depth (I assume a square profile in most cases).
I figure the gas that I'll need for my ascent and double it (more if my buddy's a big Hoover).
I figure the gas that I'll need for an appropriate deep stop and double it (more if my buddy's a big Hoover).
I figure the gas that I'll need for a 15' safety stop and double it (more if my buddy's a big Hoover).
I figure the gas that I'll need for any required stops and double it (more if my buddy's a big Hoover).
I figure the gas that I'll need if I'm one depth or one time over my planned dive and double it (more if my buddy's a big Hoover).
I sum it all up and decide on the minimum configuration that I can dive for that quantity of gas.
I usually carry 40 cubes of oxygen. I may or may not subtract any gas planned for 20 foot or up from that, depending on my gut feel and how that would effect my rig choice. Beyond that I carry no additional reserve, no 10%, no 1.78 times the phase of the moon, no back on the boat with 500 pounds.
I usually find, since theres not problem, that Im back on the boat with a lot of spare gas. And when there are problems, theyre usually early in the dive, so I wind up with even more spare gas. But I always have enough to get me an my buddy back to the surface.