Fresh water is about 3% lighter than salt water, so you can go 3% deeper. However, because lakes are found at different altitudes, you have to take altitude into account for decompression.
A typical diver watch is water resistant in depths of about 200 - 300 meters. Diver watches are made of high grade materials able to withstand the change in atmospheric pressure under water and with proper care can easily be used in salt water and fresh water applications.
You would blow up from water pressure.
It pervents the water pressure from killing the diver
This is mainly do to the pressure that the water above the diver is putting on the diver. On the surface air is putting pressure on you but it has less weight than water and as you dive deeper the pressure increases because the amount of water above you also increases.
Salt water is denser than fresh water, hence, it requires more weight to sink in salt water.
Assuming that by 'amateur diver' you mean a recreational diver without any professional qualificaitions, the recommended limit as determined by PADI (Professional Association of Diving Instructors) is 18m (60ft) for an Open Water diver, 30m (100ft) for Advanced Open Water and 40m (120ft) for a Divemaster. BSAC (British Sub Aqua club) sets the limits as 20m (67ft) for an Ocean Diver, 30m (100ft) for Sports Diver and 50m (165ft) for Master Diver. So in answer to your question, no, you couldn't 'swim where the water pressure is more than 65 ps' unless you were a technical diver or a BSAC qualified diver, as at 165ft the pressure is around 69ps.
Currents and thermal gradients aside, salt water is slightly more dense than fresh water, so (at the same depth, for the same temperature) the pressure in salt water will be creater than for fresh water. The difference in pressure will be (pressure in fresh water) x (density of salt water/density of fresh).
Salt water
4.3psi assuming fresh water
One atmosphere is the amount of pressure that can lift water approximately 10.3 meters.Considering that a diver already experiences 1 ATM of pressure in air, the water depth in meters d, at which the diver would experience n ATM of pressure, isd = (n - 1) * 10.3Hence, to experience 3 atmospheres of pressure, you'd need to go ((3-1) * 10.3) = 20.6 meters (67.6 feet) underwater.
Because compressing a gas increases its temperature. The increase in temperature increases the pressure further. By cooling the tank in water the tank can be filled with more air, it's also safer than having a very hot super high pressure tank at the end of the fill.
The deeper the diver goes, the higher the pressure is.