On another thread on another topic, someone made a very helpful link to a psychological phenomenon that had a name. I thought I saved the link, but I didn't. Anyway, the main idea is that when people are still in their relatively early stages of learning a skill, they tend to overestimate their abilities. Conversely, people who have gone on to achieve a high level of skill often underestimate their abilities.
http://people.psych.cornell.edu/~dunning/publications/pdf/unskilledandunaware.pdf
I remember being told not to go into overheads, or dive beyond your training. Then we're faced with a multitude of very popular sites that have thousands of divers a year; like the purpose sunk ex navel & maritime wrecks, with their swim throughs & overheads. Or something like the 100 mt long cave/swim through at Fish Rock Cave, which is extremely popular.