Maybe this is a little antagonistic, but any time you dive you're taking your life into your own hands. It doesn't matter whether you're diving beyond your training or within it. That said, I agree 100% with everything you've said.Well lets all be honest here, we have all at one point or another dove beyond the scope of our training. It doesnt matter if it is as simple as diving deeper than your experience level should allow, or if you decide to do a wreck/cave penetration. Either way you are putting your life in your own hands.
That being said, all of these "Specialty" certs that people feel that Must be done before doing a certain dive.........Do you honestly think that the pioneers of that specialty had any prior training? Heck no they didnt, they said to themselves, " i bet there's some cool stuff in that (add specialty here)'. And then others followed thier path. Unfortunately Darwin always show up and kills the idiot that doesnt respect the environment that they are in and ends up with a toe tag...........thus leading to the 'Specialty" certification course. I promise you this......If nobody had ever died in a wreck, cave, or diving deep, there would be no "Specialty" certification for them.
So in short, Yes I have done thing that I'm not "Supposed to do", however I am a safety concious person, and dont stick myself in hairy situations while doing so.
I have never done anything "beyond my training" (yet). I have dove deeper than "recommended" but the OW cert, like it or not, is supposed to prepare you to dive to recreational limits. That isn't 60 feet. My training covered how to dive to depth and at least discussed narc symptoms and air planning (cursorily included the rule of thirds). I haven't been narced yet, but I know what to expect and what I SHOULD do when it happens. I won't know what I WILL do until I actually experience it for myself, by taking my life into my own hands (again).