If you want to YOLO, are you willing to spend $400/person USD on a roundtrip flight to see guaranteed Tiger Sharks and one of the best experiences with giant manta rays? In short, you'll fly from MLE (Male) to GAN (Addu City), dive with the Mantas, take the cheap 45-minute ferry over to Fuvahmulah, dive with the tigers, and fly back to MLE
Addu City is the southernmost Maldives island and is one of two atolls south of the equator. Two minor bonuses, on the flight to Addu, you'll receive an equator crossing certificate and can visit the southernmost point. Addu City is probably the most not just an underrated place but an unknown place for divers. There is a Manta cleaning station yet the guides can call them over like dogs and they'll go 1 meter over your head and also a WW2 wreck.
Stay however many nights you want, you can stay one night. On the day you want to leave, dive in the morning dive (their manta tends to disappear in the afternoon) then take the cheap afternoon 45-minute ferry from Addu City to Fuvahmulah. In Fuvahmulah, you can dive with the Tiger Sharks (AOW is NOT required) which is practically guaranteed, and possibly see hammerheads although you'd need AOW as it's a deep dive. Fly back to Male from Fuvahmulah.
If you're unwilling to spend $$$ on flights, I wouldn't bother with South Ari, the whale shark peak season ends in November and there aren't any whale shark dives (someone correct me if I'm wrong that there are now whale shark scuba dives in the Maldives). You can snorkel with them but there'll be 25+ snorkelers kicking you and trying to touch the whale shark. North Male Atoll is closer/better as it has the famous aquarium site. Or as someone else said, stay on the same island as the airport in Hulumalé. There is a shark tank dive site there that can have bulls and tigers and you'll see tons of (non-manta) rays
If you stay in Hulumale, there's a $80ish USD snorkel tour from Maafushi requiring a cheap roundtrip ferry from Hulumale you might like if you're a couple. Shallow shipwreck, nearly guaranteed to see dolphins and turtles and 100+ nurse sharks, and for extra $$$, they'll fly up a drone to take some pix. You're welcome to ask me any questions
Southern most point
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Shipwreck, dolphin, turtle and shark snorkel
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