Stability Factor is one of those things that is misunderstood as it's not necessarily the hard rule it sounds like... it's not a black-or-white, stable vs unstable thing. Its usefulness depends on, and is subjective, depending on what distance one is shooting.
I've shot a lot of bullets that fall into the "marginally stable" range using Berger's twist rate stability calculator that positively hammer downrange.
Different bullets will stabilize at different distances, and some bullets stabilize faster than others, so just because a bullet may not fully stabilize by 100 yards doesn't mean it can't still hammer downrange (you just may or may not be able to squeak out the smallest groups inside the range when it does fully stabilize, which could be 120, 130, 200, etc).
@John Glidewell describes it happening to him the other way, good groups but wonky vertical downrange, and while I've heard other guys talk about experiencing that, for me, having never really shot anything lighter than a 108 in 6mm, it's almost always been the opposite.
Longer VLDish and/or heavyish-for-caliber bullets like 115 DTACs, 110 A-Tips, and 112MBs are almost always going to come up slightly "marginally stable" with Berger's calculator, yet they are efficient and still shoot great, yielding .300+ G7s without having to push the speed limits.
If it makes one feel better, just don't use Berger's calculator, use this one where anything between 1.3 - 2.0 is considered good to go lol:
https://www.jbmballistics.com/cgi-bin/jbmstab-5.1.cgi