Having started diving in Canada (low viz, current, deep, cold, boat, wreck, shore, etc.), I'm guessing anyone with 50 dives (possibly less) can handle diving in the Caribbean. I thought I was getting good until I started diving here.
The guys I met from Belgium definitely had more than 100 dives. They spotted more marine life than everyone else combined. They had better buoyancy control then everyone (including the guide). They were first people in, last people out, always went deeper then everyone and they always had 500 PSI (or more) than everyone else. I'm not sure if they are CMAS. I remember their certification expired and they had to renew it every so often. This make the dive instructor in the Caribbean think it was a resort course certification (apparently PADI issues cards with expiry dates for resort courses).
I would HIGHLY recommend anyone who lives in an area where there is diving but it is 'not nice' to learn there. Dive trips to the tropics will be a breeze and you'll enjoy them so much more.