Can you shoot in RAW? All of your exposure, white balance and color issues go away if you can shoot in RAW. The universe of usable shots will go up by 10 times, as now the only prerequesite for keeping a shot is composition and focus.
JPEG prints your camera settings - so if your cam is not set at the optimum levels for the shot (ie: strobe strength, white balance, color levels, etc.) you're stuck with what the camera says you should have.
RAW is your digital negative... nothing is "printed" onto the image. So if its blue who cares, you can manage white balance in PS (or whatever RAW viewer you're using)... who cares if you had the cam set for "portrait" and you got muted colors instead of colors that POP (like most camera pre-sets do with Landscape)... you're not stuck with it. JPEG prints the camera's settings and you're screwed.
Does your camera have "bracket"? You can take 3 shots back to back to back with different settings before your subject knows whats happening. You can select the best, read the Exif and make mental notes for next time. Your learning curve to get you from Auto or Program to Manual (when you move from snapshots to photographs) will be dramatically shortened if you can learn the profile and personalities of your camera's shots (i.e.: your camera's sweet spots) for macro, Wide Angle, Fish portraits, diver portraits, arms-length semi-macros, etc.
Shooting in Manual and using RAW should be your objective, IMO. The faster you take the training wheels off your rig, the better you'll be able to express yourself artistically. I've seen your topside stuff... some of it is first rate. Don't handcuff yourself underwater by turning over the controls to the camera.
If its in focus and you like the composition - RAW gives you an opportunity to save the shot. If everything is perfect, but the shot is horribly over exposed in JPEG, good night now.
If you can, shoot RAW. And work on getting to full manual.
With manual you can give one picture several different personalities. Ap (DOF) controls water color, and the water is the canvas you are painting your subject on.
Remember my Garibaldi / Lime pic? Its on a turquoise canvas. Its on a mid/deep DOF. Deeper DOF gives you a lighter canvas, shorter DOF gives you a darker canvas (think: Black background Fed Ex face from a couple of weeks ago.) The canvas is what you set your subject against - blue, black, turquoise water. Or anything behind the subject (remember Fed Ex against the bright yellow hydroids from last month?) I can post some examples for you and you'll see it instantly. You just can't do this stuff in Auto.
The technical stuff is focus and whitebalance. Nearly all of the artistic expression lies in DOF, lighting and composition, IMO
---
Ken