I don't get the step in step bezel

These first two pics show the outside and inside of the step bezel tape I picked out from Rio.

When I hold this five millimeter high stone in position for where I believe it might go, it just leaves virtually nothing to hold the stone in place. Not to mention a huge overhang on the back of the stone.

I am not getting the step in this step bezel !
The whole thing looks awkward and out of place.
I was sorta hoping to use this step bezel tape as a means to simply wrap something around the stone without the need of backing. Then a simple bail on top. I get the feeling that at least this particular step bezel tape was meant to be used with a backing. Why would we want such an extreme amount of tape extending from the back of the stone unless the plan was to use backing with it to sort of hide that area?
Also.... give or take about a single millimeter, none of the step bezel tapes offer any more of a lip to hold the stone in place on the step part of the tape.
Is this normal to only have about one millimeter worth of tape extending from the top of the step for holding the stone in place? Someone suggested to me some time ago that the bezel height should be about 2/3 the height of the stone. That makes perfect sense, but must not apply to the use step type bezel tape?
Sorry gang... just not getting this.
Just seems like there must be a better solution/product for wrapping silver around the outside of a pendant, but I sure did not see it in Rio's catalog.
ImageOne gave a 3D view of how to use standard tape with some square wire. Great idea, but all the tapes I have seen in Rio catalog leave me in the same boat. Very little tape left for holding the stone in place. Unless I use about a one millimeter square wire so there is about four millimeters left over to hold the stone in place.
Do I have to make my own step bezel tape so that I can have a little height to work with?