A friend of mine was present for the following event.
They had just finished diving a very popular wreck called the Spiegel Grove in Key Largo, Florida. There were several dive boats hooked on to the different mooring balls. As they took their gear off, they heard the DM on their boat shouting to another boat's crew. He was telling them that one of their divers was in trouble. The other boat crew was oblivious. They looked over the edge and saw a diver struggling to get to that boat in the waves and current. The DM yelled at him to inflate his BCD, but he paid no attention--his head just kept slipping below the surface and then coming back up as he struggled.Finally the head went beneath the surface and did not come back up.
The DM jumped in and swam furiously to the place he had gone down. (I don't know if grabbed mask and fins first.) He dived down, found the unconscious diver sinking at about 20 feet, grabbed his arm, pulled him to the surface, and then dragged him to the boat. Once on the boat, he began CPR. After a minute or so, the diver coughed, puked, and revived.
So, as you do your DM tests, ask yourself if you are really ready to do what that DM did, and how you would feel if you couldn't.