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Though I never rented, I do agree with this whole post.Temperature comfort is a very personal thing. You really need to try before you buy to figure out what is right "for you". Rentals can help with that.
For me, since I dive at different locations and in water temperatures from 16C to 30C on a fairly Spartan budget I went for a mix and match setup. Full body lycra skin suit (no insulation but gives sun and scrape protection), 5mm wetsuit, 5mm hood, 3mm boots and gloves, and a 3mm sleeveless vest.
I use different parts of that set in different conditions. Having all of it on makes me nice and toasty in 16C. Just the skin suit (no insulation) was perfect last week in 30C water. The skin suit and sleeveless vest is good for 25-27C. And the 5mm with or without hoodie and gloves works in between.
Now, all of that is for 2 dives a day. I'd probably want more insulation if I was doing 3 or 4 dives the same day in temperatures 27C or below.
And yet, all of that is what works "for me". I run pretty warm. I have seen people who would prefer a full 5mm suit in 27C water.
So I go back to my initial suggestion: Rent a few times to figure out what you really need before you buy.