Here is just a thought. 150 buys you a dive master to help you unload and load back-up. A care free ride out to the site. Safety equipment with trained individuals onboard to help injured divers if needed. Lunch on most boats. No clean-up of the boat when you get back.
Or you could pay that $1200 and then have to do all of that yourself. I have heard of a boat club that you can join, but it is monthy fees. During this time of year I would think that the boat captains would want to work with you a little since there really isn't any business in the winter time.