oldturtle do you have a DC? if u have a DC it will highlight the limit bottom time for no deco dive.
If you dont have one, dont do deep diving. It is hazardous without one.
other than that unfit, headache, nausea, fatigue are also the remedies for DCS.
err zaff and ejadboulala i am only answering for ur q on how deep can u dive without a wetsuit. Not telling u it is ok to dive 40m without any planning first

and dont try to go deep when you are not confident enough with yourself. The mind can play trick or should i say narcosis to be exactly.