Andy I would agree to a "weak version" of your hypothesis that psychological unpreparedness is an important factor in accidents involving inexperienced divers, but would like to offer my own caveat regarding what you see as a lack of assessment of that preparedness in the certification process.
OW certification prepares divers to execute unsupervised dives in conditions similar to those they experienced in their training. If a diver's entire training has been from shore in fresh water, then that is what s/he has been prepared to do without supervision. Similarly, if a diver's entire training has been in warm water from a boat, that is what s/he has been prepared to do without supervision. If newly certified divers stick closely to what they have experienced while on supervised dives as they plan and execute independent dives, the psychological stress factor should be largely attenuated. But if that lake diver wants to jump off a boat on the Great Barrier reef, s/he should do so under supervision, and if that warm-water boat diver wants to do a shore dive into a kelp forest in northern California, s/he should do so under supervision as well.
In other words, if OW divers wish to extend their limits beyond their initial training, they should undertake supervised dives in order to gain the necessary new experiences before planning independent dives in these unfamiliar conditions. The dives carried out with the intent of gaining specific experience may or may not be part of a course, and the supervising diver may be a more experienced mentor or an instructor. Once these divers have grasped the main points of the new dive experiences and are comfortable within the newly expanded limits of their experience/training, they should be able to plan and execute similar dives without supervision and without undue psychological stress.
OW certification prepares divers to execute unsupervised dives in conditions similar to those they experienced in their training. If a diver's entire training has been from shore in fresh water, then that is what s/he has been prepared to do without supervision. Similarly, if a diver's entire training has been in warm water from a boat, that is what s/he has been prepared to do without supervision. If newly certified divers stick closely to what they have experienced while on supervised dives as they plan and execute independent dives, the psychological stress factor should be largely attenuated. But if that lake diver wants to jump off a boat on the Great Barrier reef, s/he should do so under supervision, and if that warm-water boat diver wants to do a shore dive into a kelp forest in northern California, s/he should do so under supervision as well.
In other words, if OW divers wish to extend their limits beyond their initial training, they should undertake supervised dives in order to gain the necessary new experiences before planning independent dives in these unfamiliar conditions. The dives carried out with the intent of gaining specific experience may or may not be part of a course, and the supervising diver may be a more experienced mentor or an instructor. Once these divers have grasped the main points of the new dive experiences and are comfortable within the newly expanded limits of their experience/training, they should be able to plan and execute similar dives without supervision and without undue psychological stress.
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