I just Googled "Cozumel Dive Sites" and checked out the first dozen I came to. Some sites listed about 40 dive sites for customers to read and memorize before such a trip. Some of the most extensive sites did not even mention Santa Rosa Wall, which I find amazing. Of all the sites I found, only one gave sites a difficulty rating, and Santa Rosa was listed as "intermediate," with only "novice" being easier and two levels of difficulty greater.There are tons of sources of information about dive sites on Cozumel, and almost every one I have ever seen refers to Santa Rosa Wall as a difficult and challenging dive requiring moderate to advanced skill level. We can whine and cry all day about why the operators took "cruise ship divers" to such a difficult site, but that really starts by assuming that the cruise ship divers are somehow different than other divers and should be held to some lower expectation of knowledge and training.
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It isn't like the cruise ship dragged them out of bed by surprise, dropped a BC on them, and threw them in the water with no idea where they were...cruise ship divers plan these trips in advance just like land-based divers do, and have plenty of time to read up on Cozumel conditions and dive sites. They have the ability to tell the DM they want a site suitable for beginners, and when he says "Santa Rosa Wall" or "Devil's Throat", they can say no, my skills aren't up to that. It is the individual that has the responsibility to understand their skill level and to understand where they are being taken to dive, regardless of whether they are on a ship or
I think asking divers on a cruise to know the difficulty of every possible dive site they can encounter on a vacation might be asking a bit much.