Take this as input from someone who has not done a single dive before, but was in the Key Largo area the day before this incident happened. I just joined this forum to provide what little input I can. I have a Google Alert on this event set up and it showed me this forum today so I joined.
We went out snorkling on 12/30 into Pennecamp park and in the less than 10 times that I have been out snorkling in this area, I thought that it was very choppy and I questioned the wisdom of going out that day. I would judge the waves at 2-4ft and the wind at 15 knots.
We left Key Largo on 12/31 (the date of this incident) and it appeared as though this would have been a better day to go out as it was much more humid and hot (at least at 9 AM when we left our hotel).
I have read on some of your forums that it was choppy on the surface, but once you got into the water the current was not bad and the visibility was good.
I just wanted to say from the point of view of this snorkler that I did not feel comfortable on the 30th, and the sense that I got from the crews was that they were not in the business of turning away business and this is one of their busiest seasons.
As with all the other speculation out there if this woman was as severly congested as reported, she should have used better judgement. In my case I bailed on 12/30 within a half hour because I was exhausted fighting the waves. On 12/26, I was in the water for 2 hours and in my opinion the conditions were much better.
I am not a great athlete by any stretch of imagination, as I don't even run more than a 1/4 mile at a time because of weight issues. But I walk about 3-5 miles a day, so I don't think that I am terrible. Still, I have to know my limitations, and it sounds like maybe she didn't consider hers? Don't know.
It is also of interest for me since I used to live in Bel Air, MD. Though I do not know this person. I hope that something can be learned from this tragedy.