Dive guide in Roatan took us to 115' when we were at about dive number 20 (OW only). I didn't know we were that deep until we were there. Started slow ascent shortly thereafter. It wasn't smart then, and I sure wouldn't recommend it now.
I see the fact that you didn't know you were that deep as more of a problem than actually being that deep.
I haven't dove "deep" to this point because it wasn't necessary to do the things I wanted to do. If there were a wreck I wanted to cruise around for a minute or two, though, I'd probably go to 100 without worrying about it. I currently have 11 dives with my deepest being about 75' in blue water with the bottom maybe another 10' below me.
I know the symptoms of narcosis, at least in theory, and I'm very careful about paying attention to my body and my response to things so I wouldn't freak out about diving that deep. The whole issue is relative to your own comfort and skill in the water and the comfort and skill of those you're diving with at the time. OW depth is not a limitation, it's a recommendation.
1) Do you trust yourself to know and perform tasks appropriately at that depth?
2) Do you trust your dive partners to do the same?
If you even waiver in the slightest at saying yes to both of these then you shouldn't dive that deep.
Edited to clarify "freak out about it" being depth, not being narc'd. I have no idea how I'll handle being narc'd if/when it happens... hopefully well. I do know what to look for though, as I said, so I wouldn't worry too much about the possibility to the point of it keeping me from doing a 100 fsw dive.