Sure: I can recommend a couple of books too!
You seem hung up by the time since last dive... which is probably an artifact of thinking in half-time decay. Try to forget that and focus rather on sort of revolving 24-hour picture. If it makes things any easier, think of the body's capacity to deal with CNS loading as a bucket placed on the ground. In both the half-time and 24-hour models, water is added to and taken from the bucket every time we dive. The half-time model describes a leak, and in the 24-hour model a ladle is used to remove water. Bill Hamilton, who worked on the NOAA limits and recommendations, saw CNS exposure over multiple dives/days as a bucket and ladle.
Anyhow, here's the Hamilton analogy. Water flows into the bucket from a spigot that represents the loading from a dive. in Scenario #1 at the finish of dive 4 (a dive that began at 15:00 on day 2), the bucket is full. At 20:01, a magic ladle dips into the water and removes 25% of its contents... sure, the diver can dive again, but a dive netting more than a 25% loading means the bucket will overflow. Potentially making the floor wet and ruining his or her day.
in scenario #2, same mechanics but the magic ladle reappears at 9:01.
OK, so with that in mind, it becomes clear that after the fifth dive in each series, the buckets are full again. The wrinkle is the necessary elapsed time for each scenario for the diver to be able to conduct dive six. Using Hamilton's suggestions, and your examples of dives netting 24% of the allowable limit each, there must never be more than four dives in each 24-hour period... the time between dives is "immaterial" to the daily limits.
There is no physics behind this... no pure maths. The physiology, as with all physiology, is as much alchemy as it is science because by definition, these guidelines are based on data collected from NOAA divers on working dives and wet and dry chamber runs. I understand that having a bucket and magic ladle is worrisome, but the model works and has worked in the recreational arena since the mid-1980s, so it's what we have to work with by default and best practice. Is it logical? Of course not. It's physiology and there is little logic involved with the workings of the human body. Exceptions are the norm.
What Hamilton was striving for was a simple system that was workable and 'safe.' His concern (shared by a lot of experienced technical divers) is that CNS has too many variables to be ****ed around with.