I do have ideas, but unfortunately when I'm posting from work, I often don't have time to share them. This is obviously a subjective topic, so these are opinions.
Minimum skill level to be diving at all should be much higher than many instructors have attained. Many instructors aren't even aware that panic can be trained out of divers. First skill - engage brain. Second skill - keep brain engaged. How does one accomplish this? First, you need to be able to swim. You need to have confidence in your ability to swim. If you opted to snorkel instead of swim to pass the "swimming requirement" of your course, go take swimming lessons. Unless you can swim nonstop for at least 300 yds, you aren't ready to be diving. Next, learn to free dive. You don't have to be a world class free diver, but if you can't free dive to 30 feet, clear your mask at least 3 times on a single breath and breath through a flooded snorkel, go take free diving lessons. If you use a snorkel with a device designed to keep water out and/or a purge valve, toss it in the trash and get a simple J. These skils (swimming and free diving) relate directly to diver confidence. Diver confidence is the first step in preventing panic. Also building diver confidence, a diver must be able to do everything (except see) as well without a mask as with a mask. If you are uncomfortable breathing without a mask, you are one tiny accident away from panic. Panic can and does kill divers. Practice no mask breathing often.
Can you preform a doff and don? A bailout? If you can't, you need to learn. How's your buoyancy control? Buoyancy control is more important on shallow dives than on deep dives. Buoyancy is much harder to control at shallow depths. When ascending from a deep dive, most divers have an ascent line as a crutch. While it's not good to have to rely on such a line, on shallow dives, you don't have it.
Understanding gas management is more important on deep dives. If you have the boat in sight all the time and you don't exceed 30 feet, then your gas management [plan can be, "be back on the boat with 500 PSI." When you are farther away, deeper or add other complications to the dive, you need a better gas management plan. How much gas do you need for the dive? How do you know? What id things go wrong?
I wouldn't make divisions based on water temperature, currents, visibility, depth, etc. I do think we all need to be aware that anytime you are diving in new conditions, you are a newbie. If you've trained in a 40°F quarry with 2 feet of viz, your first dive in the ocean with 87°F water, 100 feet of viz, strong currents and 4 ft seas, you're probably going to get your butt handed to you by the sea conditions.