Diving in cold water isn't for everybody. For some people, it's the cold water itself, which requires a lot of heavy equipment to dive in. Not much you can do about that, drysuits and thick wetsuits just plain need a lot of lead to be able to sink. But, it sounds like the main issue you have wasn't so much the water being cold, as it was poor visibility. If bad visibility is the main problem you had, then there is hope
5-foot visibility is on the bad end of the spectrum, but not uncommon for this time of year. When the ocean looks like it will be that way, usually I will skip diving. 20-foot vis is also fairly common in the summertime, and a much better experience. 20-foot vis I would say is a good conditions in Monterey / PG / Carmel. In winter and spring, you'll get a few weekends a year with 50-foot vis or better, which is great conditions
I would recommend trying to dive again. Conditions will be better in the fall/winter/spring when there is less sun, so the phytoplankton are less active. You might want to reach out to a local dive guide to help you get acquainted with the local dive sites, and assess conditions. You might also consider diving from a boat, both the Beachhopper II and the California Explorer are out there frequently