I keep hearing Cayman is fab for new divers. Is that not an option? Where does your wife want to go?
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Never dove there, not sure about cost of accommodation or diving (all boat?), but those (above) look like four good point to me....
... Shallow reefs
... and lots of critters,
... and warm water!
... Easy to get to.
@rhwestfall or @tattooedjeeper how far out are the reefs?