Guess I'm not most divers then ... For beautiful reefs and "fish" one of the best and most affordable places is Red Sea - take a north + wreck and you'll see extremely vibrant reefs and millions of small fish - after 2 days I was done - very boring (to me).
OP: Balicasag (from Bohol) has stunning reef and actually the "wall" diving closer to Bohol was not that bad (although not the best we've seen).
Also from Dauin/Dumaguette you can dive Apo Island and that was beautiful reef/wall like. Problem is finding an operator, who will go there every day and the dives closer to the coast is very much muck.
From Moalboal you can do Pescador, which is also beautiful, but with so many divers it just felt like waiting in line at the super market. Sardine school I found mesmerising (and crowded).
Our favourite in Phils so far was Malapascua - our dives with the threshers were nothing short of amazing (only few other people around, so they came very close). Don't remember any really nice corals and big schools of fish - but we asked for nudies, sea horses, frog fish, ghost pipe fish, blue ringed octo and sharks (Gato island), so that's what we paid attention to and not the reef. Other than the Thresher shark and Gato dives we rarely saw others at the dive sites our guide picked - this was back in 2019. Dive center did not survive Wuhan