I think you are probably right. But often I find that the effects of PEMF are mo simply a matter of “Gauss penetration depth”. In my experience, deep tissue effects are often seen with very little depth of penetration. I think this is because the human body is a system, not just a collection of unconnected parts.
Also, it is typically very difficult to tell whether PEMF is having a desired effect on deep organs such as the pancreas. But if you have a biomarker, some sort of test of function that you can run several times with little risk or expense, then the thing to do in my opinion is to monitor pancreatic function, start at a lower intensity level, check versus baseline, then adjust the intensity up or down based on the quantitative biomarker results, try again for a few days, measure again, adjust again, and repeat the process. With just a few iterations, if you have quantitative feedback from a biomarker (measurement), then you will zero-in on a good set of parameters pretty quickly.