Heya Fish..
Being spoiled, I did my OW certs in nice, warm, pretty clear water at San Carlos. I then headed off to Cuba, Cancun, and Cozumel for my next 30 dives. All was wonderful until my new dive buddies invited me to dive the Yukon in San Diego.
Cold water (first 7mm wetsuit, hood, etc.)
Relatively low visibility
Current and waves were not an issue, but I did manage to drop a fin before entering the water. Net result is that I aborted the first dive.
Based on my limited experience (9 months, 60 dives), I would go for the lake or the San Diego. I dove Pleasant once, 1 ft viz, cold below 30ft worst dive conditions I ever experienced, but a good practice navigation dive.
Now..off to Roatan in 3 wks.