So in your scenario of a rec/reef dive at 100' where you stay above NDL (say 2 mins above), then your sfgf will ALWAYS be at or slightly below your gfHi, correct?
The sfgf will only ever be higher than your gfHi if you go into devo, even 1min past?
In theory you could get very close to NDL and ascend directly to the surface (no safety stop) faster than the safe ascent rate, and go over GF High that way.