You are asking me, personally, Cosmo, and my answer would be that I would not take such an inexperienced diver to these sites without first having done several easier observation dives with the diver.
It does happen that very inexperienced divers with as few as 20 dives are exceptionally talented and nail the basics early. But it is rare. Generally speaking, divers who self-assess as "proficient" scare me since it's very often a case of over-confidence. That sort of hubris gets people killed--sometimes both the diver in trouble and another diver who tries to help.
I wouldn't want to be in the position of having to perform a dangerous rescue because a diver just doesn't know what he doesn't know and attempts a dive that is beyond his capabilities to handle should an unforeseen issue arise. Again, I would not advise an inexperienced diver to attempt these dives, and if I were leading the dive, I wouldn't take an inexperienced diver on the dive unless I had personally checked him out.
Keep in mind that I have done all these dives you've mentioned (Penida, Komodo, Galapagos), and they can be challenging even for expert divers. The only time I have ever got into a situation I thought I might not make it out of was at Penida. Only my presence of mind allowed me to escape unharmed.