Hi Charlie,
I did not mean to take any shot at you. In fact, we all owe you a debt of gratitude for your detailed recollection and honesty about the events and your thoughts and emotions during what happened, because it gives us an invaluable and fully explained example of how things can go wrong that we can all learn from
The "chain of decisions/events" leading to tragedies is a crucially important concept often discussed in this forum, but often by speculation after the fact ie "what could have led to this tragedy?" Your case gives all of us an excellent illustration and learning experience. By the way because you were "just" snorkeling does not mean you were at less risk that a scuba diver--the principles are the same.
My analysis of this chain of decisions would be:
1. Diving beyond limits: here, too far from shore, and without a buddy, and insufficient knowledge of the behavior of the animals you might encounter.
2. Leads to anxiety and reduced judgment, but decision is made to continue the dive.
3. An erroneously perceived or exaggerated danger appears or occurs (the cuda, coupled with not having sufficient information about cuda behavior)
3. Elevates stress and Impairs situational awareness (not processing that the fish was not attacking even though that fact was clearly observed)
4. The "flight" response triggers, with escalating stress (rushing to shore, flooding your snorkel, losing control of your gear even though you are observing that the fish is not attacking).
5. A panic response ensues, which is abandonment of your life support gear, in your case snorkel and fins, but there are reported instances of scuba divers trying to surface in a panic actually spitting out and rejecting their regulators.
As it happened, for which we are all grateful, the panic response happened when you were in an area where the adverse consequences could be controlled. But, as all of us divers know, even in six feet of water, one gulp of saltwater from a flooded snorkel or the choppy surface, or a leg cramp after abandoning the fins, and it could have turned out very differently. If you had been found drowned, with no snorkel or fins, everyone would be asking "how could this have happened?"
Here, the chain of events could have been cut off at step 1 or 2. Either taking the time to appreciate how far the actual swim was, or finding a buddy, or, once you had the first unease that it was more than you expected, turning back at once (ie thumbing the dive).
Again, another real-world example of the immense value of careful thought before you do a dive, and, if you do, thumbing any dive at once, upon the first sign of anxiety.
Thank you for sharing this.