Around my 100th dive, I had paid for a dive charter out of Jupiter; I went down early the day before to join up with some folks for a night dive at Blue Heron Bridge. If you know anything about BHB, you know it's tidal - you base your dives around slack tide. Well, the folks I was with...I'm not sure if they mistimed it, or just didn't know any better (although they should have). We entered the water way too early, and got whisked right under the bridge on the incoming tide. I was literally clinging to pylons under the bridge, desperately hoping not to get swept out further. Also it's night; it's dark; I have no experience in current, and it's a site I've never been to before.
Fortunately, my buddy was incredible; I signaled to him that I was ending the dive. It took probably forty-five minutes for us to make our exit against the current; he helped as best he could, I just couldn't make headway against the current and was exhausting myself trying to. What I didn't know then was that there's a boat ramp on the other side of the bridge; we should have just let go and made our way to that exit and walked back to our entry point.
In any case, I got back shaken, completely out of breath, and feeling awful about the whole thing. The next morning, when I went out to the car, I discovered that my SMB was broken, and that was it - I called the two boat dives I had already paid for, never even drove down to the dock (I did call to let them know I wouldn't be making it).
To this day, it's one of the only dives I've called, but it was the right call. I wasn't in the right place mentally to do those dives. But I felt terrible for a long time about not going - I love that you came here and asked for others to share their stories, it normalizes that these things happen and it doesn't mean anything about you as a diver (other than that you showed good judgment!).
I was chatting with dive buddies the other day, about how we decide whether to take newer divers to more challenging sites - and one thing we all agreed on was the need for them to be able to recognize the difference between "I feel uncomfortable, but that's okay" and "I feel uncomfortable, and it's NOT okay." The ability to recognize that something is off (in a bad way), and to communicate and act on that limit - that's what lets us grow, and take on new challenges, in a way that keeps us safe and around to dive again another day.