What I recall from my training is that oxygen should be used if flying above 10,000' for more than half an hour, with no suggestion that you can't fly around all day at FL95. (Assuming normal health with no respiratory issues.)
So I fly at FL95 when I can ... which so far has been exactly once, on all other occasions this has been impossible due to cloud or controlled airspace
Gertrude
And in the USA Americans are different to us and tolerate low oxygen better as their limits are different
No Oxygen required up to 12500 feet, No Oxygen required by the pilots up to 14000 feet for up to a maximum of 30 minutes, Oxygen required at all time for pilots over 14000 feet.
Passengers do not need to be put on oxygen until 15000 feet.
Pace
Pace - further to your comment re arrogance. It is sometimes hard to differentiate between confidence and arrogance. Surely you need to be confident of yourself, your knowledge and your ability to be able to fly at all. If you are confident you know what you did and why, then let the Inspector decide. But is this arrogance? After all I am responding to a bunch of anonymous guys who for all I know may not have ever flown solo, nor even at all. Some are clearly experienced and making valuable points, but others just seem to me to be unkind. Vince
Vince totally agree with confidence and arrogance being close together, the point I was trying to make
for your info there is a large mix of characters in these forums. You tend to learn who the the very experienced ones are. Having said that everyone brings something to the table in different areas of speciality.
As for myself ATP business jet Captain 4500 plus hours loads of multi engine in variety of twins and some ferry work and yes have done loads of stupid things on the way but still here (just about)
Pace