I'm a man, but I have always understood the dynamic to be completely different in (U.S.) women's restrooms. There, women chitchat with complete strangers. In that case, the current user would cheerfully respond, "Yes, I need a few more minutes" and that would be that. No embarrassment whatsoever.

This was an episode of curb your enthusiasm.

https://m.youtube.com/watch?v=mPzjbXgaVOk

Haha this is perfect!

You are well within your rights to use the handicapped stall. It’s an accommodation not a reservation.

Yes, just like those convenient parking spaces and seats in the tube

Reminds me of the episode of IT Crowd where Roy pretends to be disabled.

The work outing, my favorite episode.