Don't blow this out of proportion there my friend. We dive the Keys every month, including the Bibb, and sometimes the current will darn near rip your mask off on the way down, but once on the wreck the dives are great. Proper briefings, divers with adequate skills, and other factors come into play.
Just rolling over and letting the captain, who may or may not have mroe experieince diving in that locale than your group leader, decide for you is not always the nest option.
That's why I said there should be a meeting of the minds. To say that the captain is just the boat driver and should leave the decision to dive solely up to the divers is bad advice IMO.