The only places I've ever been diving were in the pool at the YMCA during training, then at west hawk lake for the open water dives(
http://en.wikipedia.org/wiki/Westhawk_Lake). All I can say about west hawk is that it's cold, damn cold.
I've been dreaming of going somewhere warm and diving, but west hawk has been my only experience so far. 2 degrees celsius when you get below 60 feet, and I've been down as far as 95 when I did my advanced open water.