Typical Puget Sound viz is in the ten foot range, and 20 feet is where we start to sigh with pleasure and write posts on our local board about how good the viz is. Bad viz is when you hit the bottom before you see it, and when it's like that, I turn around and go out to lunch instead.
What's really interesting is how you estimate the viz. To me, bad is, as I said, hitting the bottom before seeing it, and having to dive with my nose almost ON the bottom to know where it is. Normal viz is swimming shoulder to shoulder with a buddy, just far enough apart that we can both frog kick, and being able to see him . . . but if he strays a bit, he gets fuzzy real fast. Good viz is being able to be ten feet or so from my buddy and still see him clearly, and still have light signals work well. ANYTHING over that is fantastic viz, and I don't care where I am -- except in a cave, where I really don't like viz that's reduced at all, unless the cave is small enough that you can see the walls anyway.