Even without the downwelling, current changes can be...exciting.
In Cancun this May, we were planning to dive the C-58. There's always a fair bit of current on that site, but this time it was odd. At about 50 feet, the current shifted 90 degrees, which, of course, carried us away from the wreck. Rather than fight the current (you can't win...) we went along for the ride. Saw the usual reef critters. And this... don't know what it was before it sank, but it looked to be about 40-45 feet long. Maybe a tug?
Suprises like that are one reason why I never get in the open water without my SMB/Whistle/Mirror/Lights.