@doctormike you gave some really good info... Take er home and explain how / why one should choose their conservatism settings so I don't have to spend hours watching YouTube videos.
Is there a calculator anywhere for suggesting GFLo and GFHi settings based on whatever factors? (water temp, BMI, aversion to risk, etc...?)
You will find that experienced divers and instructors rarely if ever recommend specific gradient factors. They are by definition personal adjustments to a poorly understood risk. For recreational diving, trying to be precise about picking individual GFs really doesn't make sense.
Any modern dive computer will result in a reasonably minimal chance of DCS if used correctly. Most give you leeway to make general adjustments (like Shearwater's low, medium and high conservatism). Don't try to be more clever than the engineers by picking custom GFs if you aren't technically trained, there is no need for that.
Picking any algorithm and conservatism level is always a bright line through a grey area. While no dive computer can guarantee you won't get bent if you follow it, it can minimize that chance. Of course, if you are obese, dehydrated, hung over and working hard on a dive, set your conservatism to low and run your NDL right down to 0, omit your safety stop and make a relatively fast ascent over the last 15 feet, you certainly have a greater chance of getting an "undeserved" hit, even though you technically didn't bend your computer.
So unless you find that your computer is giving you ridiculously short NDLs, I would just set it to high conservatism and enjoy the dive...