Cathy,
I'll add another vote to the "I prefer good viz" opinion. My wife has over 300 dives and I have around 400. When she got her OW certification in a lake, I went for the lakeside campout trip but didnt even bring my dive gear. Everyone has an opinion, but mine was that it wasnt worth the time it would take for me to pack, unpack, rinse, and repack the gear just to dive in 2-5 viz and MAYBE see a small perch or, if we were lucky, a catfish. I still have that opinion, and I havent been diving in a lake in a very long time.
Our enjoyment of diving comes from seeing beautiful marine life and, if we are lucky, getting good underwater pictures. Well, that plus the friendships we make on the trips.
I have to admit that I do like night dives, mainly for the chance to see the critters that only come out when the sun goes down. In a way I guess thats like diving in low viz waters. I also loved diving the Pacific side of Costa Rica, even with low 15-20 visibility since there were lots of octopus, eagle rays, and sharks to see
but without those it would have been a lot less attractive, mainly just low viz with a rocky volcanic bottom. Costa Rica is lower on my wifes list just because of the limited viz, and if you ask her about night diving shell be just as happy to skip it and instead drink a few beers while watching the sunset.
I guess where Im going is that everyone has different likes and dislikes, including what they like and dislike about diving. It doesnt sound to me like you fall into the I like crappy viz crowd, so my suggestion is to just avoid it. There are lots of places to dive, lots of people to dive with, and lots of different things to see. If you werent uncomfortable in the clear water but you were in the murky pond, then heck, just dive in clear water until you get more comfortable. (Assuming of course that you have the vacation time and money to travel, which if you can afford the training and gear in the first place you probably do.)
I can positively state that it is a LOT more comfortable to dive off a pier into the calm and clear waters of Bonaire or Curacao than it is to slog into a cold murky pond. And there are tons of instructors in those locations that would be more than happy to do a little refresher course with you, and show you around their house reefs while they are at it. Check out Sand Dollar in Bonaire for one example, and there are lots of others (again, everyone has an opinion) Now as a caveat, you might want to restrict some of the more aggressive shore diving in Bonaire until you get a few more dives under your belt, or at least go with someone a little more experienced. You can always do guided boat dives in those waters when you get bored with the house reef, and they are reasonably priced.
Cozumel is another great diving location and is incredibly cheap right now, but it is almost exclusively boat and drift diving, often along a wall with no bottom in sight. Youll be more comfortable there if you get a little more experience controlling your buoyancy before you have to deal with the possibly high currents.
Anyway, my suggestion would be to think a little bit about what appeals to you about diving (coral formations, marine life, history, wrecks, etc.) and then try to go places that have those to offer. I feel like I can state with authority that murky ponds with crappy viz arent high on most peoples lists.