This reef is also scattered with Army tanks, and tire units in the east. (not shown) The subway cars are not plotted as they have disintegrated after 20 years. Minimum clearance at mean low water is 50 feet.
By well-lit, what I mean is situations that fall within the normal range of your camera's exposure program. This is a combination of ISO (film) speed, shutter speed, and aperture which will result in capturing a desired image. On land, such situations occur all day long, but underwater they are rare. Clear shallow water with a bright sun shining overhead is the only environment in which your camera is likely to work unaided, as it would topside.
An unremarkable ambient light test shot, at a depth of about 100 ft. Note the loss of colors, even close-up. Flash would bring out all the hidden colors.