You can only decide based on your own tolerance for the water temp. I regularly dive a full 5mm in low 80s water and that's just about right - maybe a slight chill by the end of the second dive. I was on a boat dive recently in the Caribbean (82 degree water) where the divers ranged from just bathing suits, to 3 mm shorties, to my 5 mm full, to one diver in a dry suit! To each, his/her own.
Exactly.
I dive a 3/2 full suit down to about 70F, for single tank, recreational dives. Everybody is different. You just need to know what temp ranges equate to what exposure protection for you and then ask about the water temps you should expect. Dive time also matters. A 3/2 for 35 minutes at 70F might be comfy to me, but would be too cold if it was going to be for 50 minutes. Also, to me anyway, surface temps play a part. 70F water with 80+ air temps and a clear, sunny day is 3/2 suit territory for me. But, if it was the same water temp but 65F air temp and a rainy day with a breeze I would probably wear my 5/4.