Personally, I haven’t noticed any problems with the “close enuf for gumment work” approach on my builds as long as the differences are small and located on the right hand side of the decimal point.
Otherwise, I usually sub with combinations to get the right value: resistors in series, and caps in parallel, using an app called ‘Electro Doc Pro’ and also double checking with my trusty DMM.
As I said, this is my approach, your mileage may vary.????
Others, probably much more smarter than I, may have different ideas (and/or be righteously appalled by mine. ????????)…
but, I hope this helps.????