I've snorkeled in the Caribbean, and am very familiar with reef tank corals from both (although many Caribbean animals are illegal). I really want to see the Indo Pacific, and I will someday. But I can get some diving experience and enjoy a nice trip in the Caribbean first. I was married 4 years, so no matter how badly the divorce goes, I will be free of her debt and support someday and plan to take many vacations between now and when I die.
With all that drama - I recommend a trip to Cozumel. I just returned. Reefs are really healthy; Quite inexpensive and wonderful place to visit.