The Logic Theorist:
I appear to have a misconception here, or you do, I'm not certain which. The way I read the depth limits in all of my PADI material was that the AOW cert certifies me to dive to 130' within non-deco limits. 100' should be thought of as the max recommended limit, and 130' the absolute max limit, but dives past 100' are allowed by the cert.
Right. So, your training has a recommendation limit of 100'.
DAN insurance will cover you for any diving accidents that happen with your certifying agencies recommended limits.
PADI's recommended limit for you training level is 100'.
Now, I'm not saying that DAN won't cover you. DAN is a fine organization and they do a lot of things they don't have to do. But when laywers and underwriters get involved (which they tend to do when it's a serious high expense accident) don't assume that you're covered when you're pushing the limits.
Your training also does not cover solo dives -- and you planned this as a solo dive from the start.
Your training does not cover deco dives -- and you exceeded your NDL.
I could go on, but I think you get the point . . .
Look, I'm not that much further along than you. I'm still under 50 dives.
But I do have a few more classes under my belt, and I've had the benefit of instructors that stress, repeatedly, that I am responsible for knowing and staying within the limits of my training. I have been taught to question and plan and I take safety very seriously so I listen to that training.
I really think the number one lesson you need to take from this is that your buddy's certs don't matter. If it's a bad plan, it's a bad plan and you have to walk away from the dive. You must know and respect your own limitations. You must be conservative (that was stressed to you in PADI training). Pushing to 2 feet of the max rec depth limit on a solo dive, then blowing your NDL, with 11 dives under your belt isn't conservative.
Listen to your training. Stick to your training. If you do that, you'll rarely find yourself in a situation where you are in real danger.
But if you don't, you're going to have more experiences like this one, and sooner or later your luck will run out.
That doesn't mean "you're gonna die," but whatever happens, it won't be the pleasant diving afternoon you'll have hoped for!