Flash of Beauty is the best place. This is the closest accessible place to the outer reef. If there is a ground sea (large waves breaking on the reef) there is a strong rip tide there, so be cautious.

Big Bamboo is OK, but will require more swimming to reach the good part of the reef. You will have to swim out in the channels between the very shallow patches of reef near shore. Do not try to swim across them.

Cow Wreck is OK, but only if the sea is pretty flat. Otherwise, the water will be very cloudy. Go in a about 200 yards to the west of the Cow Wreck bar and swim out until you reach reef. It will be much smaller reef than Loblolly. The main reef is pretty far out.