@bbchien This is a question for the good Doctor Chien. I believe he has considerable expertise in this issue.
If you want to do your own research, get a pulse oximeter and take it up to 12,000 without using oxygen. Measure and record your O2 saturation. Call this reading "A". Then climb to 13,999 ft using supplemental O2 for 30 minutes (includes the time to descend to 12,500 within the 30 minute window. Once back at or below 12k, measure and record your O2 saturation. Then fly level watching your O2 sat and see how long it takes to climb back to reading "A".
Remember everyone has a different tolerance for hypoxic conditions so 1) what works for you may not work for all, and 2) YMMV from flight to flight.
The rules are written to keep most everyone alive and healthy. You may be a healthy young pilot or you may be too old to cut corners like this.
-Skip