Yes, Mfinley, if the DM checks and says "the current is really quick, but diveable", I may very well tell him, "Thanks much, but I think I'll sit this one out," even if I'm not going to get a refund for a missed dive; the money is far less important to me than my own well-being. I'm old, fat, and not nearly in the shape I was 20 years ago when I started diving, but I hope to continue to enjoy diving for many more years. I'm not into diving for the adrenaline rush, but for the quiet solitude and relaxation of drifting over a beautiful reef and enjoying the wonder of the sealife, large and small. And I feel no need to prove to you, the DM, or anyone else, that I am "Man enough" to take a dive that's going to make me nervous or that I'm not going to enjoy. It's precisely the "macho", testosterone driven need to prove yourself to others or establish bragging rights that got those three unfortunate divers in Cozumel into so much trouble a week or so ago. So, Yes, I'll sit out a dive that I'm not comfortable making, and if that makes you think I'm less of a diver, go ahead and think that. I'll respect your right to have an opinion, if you'll respect my right to ignore it.