I've realized, at least in my head, that this is the point of learning the "dive and drive method." When I'm initially learning how to do step down approaches, I was way too easy and slow on the throttle to finally settle into a 600-800 fpm descent. It took 15 seconds or more. But my thought process was to set a nice 500-600 fpm descent and try to keep it relatively constant throughout the approach.
The problem is that, even in my slow Archer, taking too long to establish a "nice and easy" descent means that now you've taken too long at altitude and you need more aggressive descent. The solution, at least for me, was to understand I have to "dive" and get the nose down and pull power to maintain my airspeed without getting too fast and get the heck started going down.
This has fixed my "too slow to descend" mentality for sure, and I'll probably maintain it throughout IR training, but in real life I will probably try to spend more time setting a stable descent and not really care if I'm still 100-200 feet "too high" at each step.
In fact, my last approach was an RNAV going back into the home airport on Sunday and tower gave me a low altitude warning after getting to my next step about 30 seconds early. My instructor got on and let them know we were driving along the minimums for that step, and they were ok with that, but it also struck me that realistically speaking you don't have to be +/-0 feet at every step along the way and that may not even be smart.
For the checkride, if it's +100/-0 then I would think aiming for +50 feet is perfect since it gives you the most buffer either way.