I thought I understood this, but maybe not. GPS systems were certified
for approaches after I got my instrument ticket, so my knowledge is
more anecdotal than from actual training.

Can an approach-certified GPS be used to substitute for NDB and DME
during an approach (or even en route)? What if the approach says ADF
Required or DME Required? My understanding of the AIM is that you can
only use the GPS as a substitute when there is a published GPS overlay
for the approach.

(My question is about the legality and not about whether you'd be close
enough.)