The viz is disappointing to me when it's down to 10 feet or so. If it's bad enough that I can't get far enough away from my buddy to frog kick without hitting him, then I'm starting to wonder if it's worth it. I have started a couple of dives where my face had to be about 18 inches off the bottom to see the bottom, and then I turn around and go out to lunch instead.
20 feet is nice viz. You can dive as a team with a little space between you, there is usually some ambient light, and you can see things coming before you swim into them.
I agree... Locally, I'm fine with vis down to about 10 feet... below that I start wondering if there may be better way to kill time.
That said, I've had some fantastic dives with 5-8' vis, although they're the exception to the rule. Above 15' and I'm pretty happy.
Mind you, this is for local shore dives. If I pay for boat dives, I'm not very happy if the vis is less than 25' or so.
Once the vis hits 40', I'm happy pretty much anywhere, even warm water destinations where the locals are complaining about the vis "only" being 40'.