H2Andy:yup, you're right ... she did
i guess it would depend on the environment, as someone mentioned earlier
it comes down to "do you have the skills to dive safely in this environment?" whatever those "skills" may be for the given environment
I agree. But, that's one big honkin' whatever in that statement.
I don't think you can quantify that whatever. It really becomes a judgment issue, and either you have good judgment or you don't. Skill development can certainly give you more tools and experience to make the judgments more accurately, but, I don't think you'll ever be able to quantify that. By any predetermined standard.
And, even if you could, I'm not convinced that you'd want or need to.
A lot of enjoyment can be sucked out of things if the goal is to set thresholds that ultimately are arbitrary and inconsistent.
People can, and do, assess risk all the time. They are capable of determining their own individual "minimum proficiencies". For good or for bad. Even in diving.