You know, someone told me once before I ever hit the water that I should do my first dive in the Lake here, Lake Lanier. He said that once I dove there, anything else would be a joke.
18 dives later, I've yet to encounter viz any worse, or water any colder.
My dive buddy was almost paralyzed when we hit the bottom of the Limestone Reef in Destin because of 'low' viz. I was in Heaven.
I was worried about diving in the ocean, but when I hit the anchor line the first time, and noticed the relatively low viz, and it just didn't bother me. I wasn't being macho, it just didn't bother me, I didn't really have to think about it.
Try getting some dives in a closed environment like a quarry, where you know you can always just surface and never be far from home, in water where you can't see your gauges.
By the time you hit the ocean again you will be so glad to see ANYTHING that your other fears/discomfort will disappear.