I recommend #3. Considering where you guys are from (PA), you're probably already used to crappy vis and lack of light during dives. That's pretty much the definition of quarry diving, right?
I can't think of a better introduction to night diving than a dusk shore dive in Cozumel. Just make sure that:
- you've done the identical dive during the day previously,
- each diver has a primary light + backup light (checked to be working OK before the dive), and
- you pay attention to how to make it back to your exit point.
You guys will do fine. Beforehand, make sure that you review under water light signals with your team. Making a controlled, medium-paced, medium-sized circle with your light is the equivalent of the "OK" sign...and should be responded to by another "OK" sign from your buddy. Get the attention of a buddy by shaking your light rapidly across his light beam -- this means "Attention." If I want to share something that I've found with a buddy, I'll shake my light slowly across his light beam and then slowly encircle the object/critter of interest. My buddy will acknowledge that he sees the critter by slowly encircling the critter, too. Discuss how you will signal air pressure to each other during the night dive. Keep in mind that you will have one hand on your light...so your gas numbers need to be flashed one-handed. Another useful hand signal is the
"turn around" signal. Remember that you will have to shine your light on any hand signal so that your buddy can see it. Also, and this is a very important rule,
never shine your light in the eyes of any other diver. A ScubaBoard member (
ae3753) has posted several of the more important hand signals on
his personal website. Many of the hand signals he explains can be used at night.
Option #1 seems way overpriced. Perhaps they are including fees for 3 separate boat dives...but even then I don't think it's worth it. After doing a couple of shallow dusk/night shore dives on your own, you can arrange to do a night dive that's accessible by boat. Since it's Cozumel, you can be assured that a DM will be in the water with you. If you're really curious about what's taught in a formal Night Diving course, you could pick up a few tips by purchasing the instructional materials. At least it would make you aware of some of the special considerations of night diving.
I realize that you and your family are inexperienced, but I'm assuming that your buoyancy control is not too bad since you're into UW photography. As long as you aren't having any "issues" during day dives, night dives shouldn't really be a big deal. I recommend not bringing along the UW camera on the first couple of dusk/night dives. If you opt to take the camera, understand that you'll need to have one hand on the camera and one hand on the light...so figuring out how to do everything else (operate BCD and do hand signals) might not be so easy.
Have fun on your trip...