Lottie, it depends on what your future plans are & also on the type of person you are :)
Since you have a place in a nice tropical destination, by going pro you can it can be a value-added service to your operation. It also depends on the type of diver you are (your style of diving) & whether it is compatible with teaching others - otherwise it becomes tedious. Also on whether you like to teach in general & not just diving. By being in a position such as a DM, AI, Ins., you'll find that others will talk to you about other things in their life too.
As PB pointed out in this and in other threads, there is the liability part. Depending on the local laws, just be being a DM, working or not, would put you in the firing line.
Although I'm sure you are a good diver, many shops *need* to fill a PADI quota to maintain their PADI star rating. So they encourage almost everyone to become a DM and then later an Ins. This appeals to everyone's sense of vanity and there are many "shake n' bake" DM's out there. Some are excellent DM's naturally and some are better diving *solo*.
If you just want to help new divers but don't want the responsibility, there are many ways to do so without "going pro"
FYI, the DM insurance is about $2000-$3000 in the Toronto area. The upside is the freebies and if you saved all your receipts, all your gear can be written off :)
Now for the purely superficial part: Dive"Master" sounds way cooler, active, in-charge than "Instructor" which sounds almost bookish by comparison.
Good Luck.
