We have acted upon Dexcom data many times directly without a fingerprick. My son did it again yesterday, but this time it was a mistake: he should have tested manually first. Here is why.
He injected insulin at 5:25 PM before dinner. Four hours later, between 9:15 and 9:34, he noticed a sharp drop from 115 to 82 over 15 minutes, with a drop rate alarm and a single arrow down sign. He immediately took 6 carbs, which was a very reasonable decision given the rate of drop.
However, since it had been 4 hours since his last insulin injection, he should have realized that such a drop, 4 hours into an insulin injection, would be very unlikely given the little IOB he had left (his DIA is 5 hours +/-). So this drop should have been flagged in his mind as a supicious drop, and required a manual check.
Sure enough, the next point was missing: his sensor had just dropped (three ???), and the sharp drop was a sensor artefact. When he tested manually, at 9:48, he found himself at 173, which is explained by the fact that:
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he was creeping up at 115 on the CGM at 9:19, so at 9:34 I would guess he would have been around 120-125 on his CGM.
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the CGM was probably 15 low (old sensor, fast sensor drift), so a fingerprick test would have given 135-140
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the 6 carbs were quick acting hard candy, and would have taken him another 25 up.
He washed his hands a couple of times to double check, but the 175 number was real, and he had to inject 2.5U. The sensor caught up again arond 11:00pm and had to be recalibrated.
The lesson we learned: when you don’t have a lot of IOB, a sharp drop should make you suspicious, and should cause you to do a manual test before acting on the data.