The issue is not just the regular splashing around the reef kind of dive, the issue is what happens when the current cranks and the dive has a strong potential to turn into a cluster that you regret getting into. The less capability you have to swim in your scuba equipment, the more likely you will be to end up in one of those situations.
Average ocean currents are in the range of 2 to 3.5 knots. That's about 2 to 3.5 times faster than most divers can deal with at their absolute best. Statistically, we must restrict our diving to only the very best ocean conditions that represent about the bottom 1 sigma of the bell curve for the distribution of ocean current speeds. For an arbitrary location, about 97% of ocean conditions are not really good enough for most people to plan on conducting a dive in without external help and/or being tied to the surface in one way or another, and there is a high probability that that the conditions will deviate beyond what is expected leading to a bad dive. If you can double your effective swimming speeds, that 97% will drop to something more like 83% chance of bad or un-diveable ocean conditions. If you can handle on the order of 3 knots you can deal with the statistical average meaning you've got about a 50/50 chance of being okay in a randomly selected location. Add some planning to the situation to attempt to get good conditions and the likelihood of a bad dive can drop to a very acceptable level. At about 6 knots, you'd be okay in about 97% of all ocean conditions.
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really curious where you got your numbers from?
also
"and there is a high probability that that the conditions will deviate beyond what is expected leading to a bad dive."
scenario boat dive
i don't understand this. for example say you dive a reef where the current is dictated by the tide. you know at xxxxH the current will change direction and even if you don't know then you adapt the plan, i think being so rigid that you would rather swim against a strong current than drift and deploy an smb is so idiotic i wouldn't bother.
scenario shore dive
i'm more inclined to swim against a current on a shore dive as you can't get picked up. but i think brains will overcome brawn as being smart, hugging the reef taking a lot of little breaks rather than one long swim will be the superior tactic.
also, swimming against a 6knot current - are you mad?