I'm with billt4sf on this one -- there are plenty of dives that I know I don't have the training or experience to do. And no matter how much money I've spent or how much anyone tries to twist my arm, I'm not going to do them. I'm more worried about the dives which seem only seem straight-forward enough for me because my lack of experience has led me to miss something (or the implications of something).
An example that comes to mind: I did a drift dive a little while ago. I don't recall the DM explicitly mentioning once in the briefing that it'd be a drift dive, or that the current was really fairly strong. I already knew that it was going to be a drift dive (dived there the day before, researched before my trip), so I didn't ask -- but, right after my OW course, I might've been in for a nasty surprise, and probably wouldn't have thought to ask.
To avoid this, I've been trying to build a kind of checklist of questions to ask or make sure are answered in briefings before diving a new site (or a familiar site in different conditions) -- a sort of list of 'complicating factors'. I put some 'complicating factors' on my 'hell, no' list, others I'd just like to know in advance so I'm prepared, others I'm comfortable handling as long as there's only one or two of them present (not a whole list of compounded complications).