I guess I'm just spoiled. I won't bother if the viz is less than 40 ft unless my buddy really insists upon it. The one exception is our local shore dive at the Blue Heron Bridge/Phil Foster Park. Unlike my friend and neighbor, Jupiter Mermaid who dives for free.
I was studying in Indiana and was jonesing for a dive, so I tried diving a quarry with a couple of fraternity brothers who were local. It was cold and dark. Only sights to see were dead branches (to my eyes). That is when I took up skydiving.
I admit I'm VERY spoiled. I live in a community that is bounded on the East by the Atlantic Ocean and by the Intra Coastal Waterway on the West. From the ridge in my back yard I can see the dive and fishing boats on the ledges.
I can walk to our marina and am 5 minutes from a public boat ramp and marina. Also 5 minutes from my LDS, Jupiter Dive Center. Their dock is maybe 35 ft from the back doors of the shop. If conditions are "bad", there is always tomorrow.