It may seem "not that bad" but you are asking for trouble. Any pool that has CYA in excess of 80 ppm is outside suggested TFP ranges and I believe it will eventually bite you.CYA of 100 is not that bad, especially if your pool is clear and there's no SLAM in you immediate future.
Some may get away with it, even for years, but the FC you save is simply not ever worth the punishment you will get if you have an algae bloom and a CYA of 100+