You need to define "Competent." I think that any competent definition of the word puts the lie to the idea that entry level qualifications that says that, "you're competent and safe to dive without one as soon as you pass the course in conditions equal to or better than training," is worth the plastic that it is printed on, and most new divers seem to get this. I define "Competent" in some
other posts as:
Competent: The diver now has a good working knowledge of diving, as well as some background knowledge of diving, and as a result can deal with knowledge in context. Recognition of relevance is now present. Actions are seen, at least partly, in terms of longer-term goals. The diver is able to cope with simple multiple, simultaneous, and competing inputs. The diver sees actions (at least partially) in terms of longer-term goals. The diver performs best with standardized and routine procedures, but is able to achieve most tasks using his or her own judgment and can also engage in conscious and deliberate planning. Skills are fit for the purpose intended, though they may lack refinement.
I'd suggest that most diver come out of an entry level call at what I call "Novice" and that they really are not ready to dive with a buddy who is similarly qualified, "in conditions equal to or better than training," until the are well into the level that I describe as "Beginner":
Beginner: The diver has developed a working knowledge of key aspects of tasks and appreciates that complex diving situations exist. Since situational awareness is limited, all attributes and aspects tend to be treated separately and given equal importance. Though the diver begins to use global characteristics of situations that are recognized from limited prior experience, problems are primarily solved by using rote guidelines for action that are based on situational attributes. The diver is starting to make rudimentary attempts to decide on appropriate actions in context, but is limited to applying actions as a series of steps, and thus can not be expected to successfully resolve complex situations. Though supervision is needed for the accomplishment of the overall task, straightforward tasks likely to be completed to an acceptable standard and the beginner is able to achieve some steps using his or her own judgment.