I myself have just completed and submitted my application for PADI MSD. It is just a point along my continuing scuba education. It doesn't mean I've learned everything and I continue to take specialty courses to further my knowledge. To me continuing my scuba education is a way to keep local lake diving from getting boring and becoming just a way to get wet. This while making me a diver who is more knowledgeable than the average holiday diver and more prepared for diverse diving conditions. Because many of my dives are local instead of while traveling my investment may not be as great as a holiday diver but my commitment to the sport is even greater and instead of taking 5 or more years to reach this point I have been able to attain this milestone in just 2 years.