bamaskubacat,
+1 for Kate's (obviously I'm biased), mrmccoy's, and Chris_b's comments- - - especially regarding the increased flow (felt as strong current) around neap tide at Ft. Pickens. You may trade an extra 5' of viz for a current that requires you to hold on the rocks in order to keep from being swept off the site. It's not really dangerous- - just something else to contend with. On the other hand, I know people that have show up there at random times and had slack water with 35'+!! It's impossible to predict that you'll have a certain amount of viz on any given day: we just kind of work off averages.
Please don't interpret this to mean that Ft. Pickens is an "advanced" location. As Kate said, half of her OW cert dives were conducted at Ft. Pickens (as well as TONS of other OW students) with < 8' viz and a tide falling so fast it should have been wearing a parachute.
Also, bear in mind that there is always a possibility of scrapping a dive once you get to site, rentals or no. Conditions may change, or otherwise be found unacceptable for diving based on your training, experience, and confidence. This is applicable to any site- - whether it be a $150 trip to the Oriskany, or a night dive in your swimming pool. Thumbing the dive is ALWAYS an option: anyone you're diving with that doesn't respect your assessment of a dive in light of developing conditions is someone you don't want to be diving with.
Regarding visibility for shore dive sites in this area:
In my experience, the better shore visibility is encountered to the east. Destin jetties are typically more clear than Ft. Pickens (tide conditions being equal) and I've had some of the best visibility at St. Andrews, not to mention a higher critter count.
Gulf shores is much closer to Mobile Bay, and as such is prone to more 'green' water. When we dove the Whiskey this past Sunday, we had about 6-8' at the east end, and about 2' at the west end. This was at high tide.
Gear:
The best way to 'see' if you will get over that nervousness is to dive. Dive with people that know the site and have experience. Dive often. Kate will be the absolute best person to talk to about this: in about 8 months she has gone from 'verge of panic attack nervous' to ' Fish '.
No need to buy any kind of regulator just yet- - although I would recommend some fins: you can always use them for snorkeling.
Chris_b, Come on out! I think we're getting there about 9, but two tanks are on the plan- - - so you could always join us for the second.