redhatmama:My experience is limited but I find most dive masters to be helpful in pointing out the local flora and fauna. Since I'm a fish person (not a wreck fan) that is important to me. I would tip all but the worst service in a 3rd world country because the people are poor. The dive masters work under hazardous conditions and often have families to support.
I don't see how divemasters get in the way of the safety of your dive in most instances.
A good point, esp if I'm not familiar with an area I love having someone show me around a dive site, if they dive it every day they'll know where the cool things are and not everythingis obvious if oyu don't know hwere too look... nudibranchs for example.
I always find that if you tell a dm your experience level and what you want out of the diving they ill go out of their way to oblige you (as they should).
I don't personally need a dm there to make things safer for me in the majority of occasions but hel, if I haven't been to a dive site before I won't know about the hazards in the area and I certainly like to play safe.