You don't have to go to the banks to catch good fish, and even if you do get out there, there are no guarantees that you will land a quality catch.
Spend more time on the close reefs and refine your skills. I get alot of satisfaction of taking quality fish in my 4.5 m tinny, usually from spots less than 15 km from land. IMHO, much more kudos in that than going where the fish are thick and helping yourself.
Jeremy