Currents are the biggest factor that concern me when diving, especially since I dive from my own boat and there's often no one on board.
Even Michael Phelps would be screwed if he got caught in a 2-3 knot current and had to swim a significant distance.
In case of current I have contingency plans (swim into the current on the way out, hug the bottom where currents are weaker, swim across current if possible etc.) but i am ready to scrub a dive if i see significant current.
A few years ago I wanted to dive some wrecks up near Point Conception from my private boat. The location is remote and the only feasible access is via a public boat hoist on a pier at Gaviota state park. In order to use the hoist you have to get a custom lifting sling made for your boat, have the lifting sling and boat inspected and attend a full day training class (300 mile round trip drive).
After jumping through all the hoops, a buddy and took the boat up to Gaviota, camped out so we could get an early start, then lauched first thing in the morning.
We motored up to Point Conception, anchored on the first wreck. As we were gearing up we noticed the current was flowing like a river. We called the dive and went home.
During the following winter, a big storm wrecked the pier and it's unlikely the hoist will be repaired anytime soon, if ever.
I still don't have any regrets calling that dive.