The shipwrecks are well, um, I don't know exactly how far down but they're deep. Any and all sea life appeared WAY down where the wrecks were.
Perhaps if I was a diver and was "down" there with everything, vs. the surface I would've been more impressed.
The water was calm, that wasn't an issue. I would say, no, it wasn't worth it. I wouldn't do it again.
We also did the Captain Marvin's Stingray City excursion where you stopped at 1 reef before you went to Stingray City. That is where I mentioned all the fish were.
That is an option where your DW and DD could snorkel and see "regular" marine life on the reef stop, and then watch you From the boat while you "snorkel" with the stingrays at the sandbar.
That truly could be the best of both worlds for you. At Stingray City, your DD would NOT have to get off the boat.
HTH!