Where physics meets physiology, inside the human body, is a very variable and analytically messy place.
The tables look so clear: if you are one this side of the number (your NDL time at a given depth), you are golden. If you are on the other side of the same number, you are screwed. The same in applying the MOD of a given gas mix. The same in calculating the amount of gas you will actually use. All of these are neat formulas or the result of interesting algorithms.
TS&M did a nice job describing how the models are validated. That said, they are not validated to you personally. So, in one sense, the OP is correct that the tables might not be a perfect fit for him. He might be an exception. The problem for the OP (and for all of us) is we generally have no way of knowing that [1, 2]. And the bigger problem: even if we did know, we would need to know for every dive. Yes, there can be much variation with an individual. [3]
Pehaps a lame attempt at an overly complicated analogy is in order. You are given a new car to drive (and you are a new driver). You are driving across the Baja (partly paved; partly not). As a new driver, you are told to go no faster than 60. Why? Going faster increases your risk of running out gas (mileage varies by conditions and you have limited refueling points). Going faster also gives you less time to recognize and respond to risks. You then work up to going 100. You have started to understand how your vehicle responds at speed. You learn about tunnel vision and how to manage that risk. You learn more about fuel planning and usage. You then work up to 130 where tunnel vision is an even bigger risk.
You also hear that the front wheels of your car might fly off at high speeds so people say you should never go faster than 218 mph. And then you learn that a guy dove that same car 509 mph and the wheels stayed on. (Of course you didn't hear of the drivers who had wheel issues at 219 mph, or 327 mph. Or for that matter at 195 MPH).
The bottom line: Treat limits as limits and not as targets. Diving is a sport with risks. The tables, rules and guidances are all there for a reason: to help keep you safe. Yes, there are those who exceed NDL times without symptoms. Yes, there are those who follow every rule and are symptomatic. But that doesn't mean you should ignore limits -- especially when your prognosis if certain events occur (i.e., CNS hit, O2 tox at depth).
As you gain more knowledge, the reasons for the guidance will become clearer. It is then up to you to decide if/when/how you will challenge them (hopefully safely). For example, I had hundreds of dives before I did my AOW. I don't think I was any safer after my AOW than before. But I did have a substitute for the card: lots of dives and lots of informal learning.
[1] An interesting exception to this is the issue of a PFO. We can surmise that the tables are overly liberal for persons with a PFO.
[2] I have never seen research that validates increased diving adapts the body in a meaningful way to accelerate N2 off gassing. Fitness, likely has an effect on risk.
[3] Too many reasons to list (including unknown). Dehydration is probably at the top of a long list.