You should perform a safety stop for all recreational dives. It significantly reduces the risks of decompression sickness.
A safety stop is a 3 minute stop at 15 feet before ascending to the surface.
The recreational limits for diving are 60 feet for OW divers and 100 feet for AOW divers. If you go any deeper, you risk serious injury. The recreational limits have been designed with statistical safety in mind. Any "deep" dive (those below 60 feet) should have a safety stop.
Never, never, never dive just to set records or see just how far you can go. That way lies madness and fatalities.
Read "Diver Down", available at your public library or on Amazon:
http://www.Amazon.com/Diver-Down-Michael-R-Ange/dp/0071445722
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You don't really have to worry about dying when diving without scuba gear on, If you go under and continue to swim down you will be accompanied with some painful amounts of pressure, so its really up to you how much you can take. experienced divers can go down about 20ft to 30ft because they are used to the pressure. A new diver would only be able to go about 15 ft before realizing it hurts and you want to go back up. There are techniques to reducing the amount of pressure and pain but you still won't make it far passed 15ft without some effects.