I find that a hooded vest is one of the best "bang for your buck" in terms of increasing the warmth of an existing suit, but it's still a step below a full 5mm. Like you, I dive a 3mm almost all of the time, but if I'm doing 3 or more dives in a day I add on a 5/3 hooded vest (I have the Bare Ultrawarmth, which I think is great, but there are plenty of good options) otherwise I start to feel unpleasantly cold by the end of the last dive.
For a liveaboard in temperatures where I would normally wear a 3mm if I was doing a single dive, and where I'm diving multiple times a day for multiple days, I always bring my 5mm (which is another step up in warmth above the 3mm+hood). I'm usually happy on day 1 in the 3mm, but by day 2/3/4, the "integrated lack of exposure" builds up and I start to feel cold. My 5mm, which has much better wrist and ankle seals, saves me from that! There's nothing worse than feeling cold to the bone on day 4 of your expensive liveaboard!
TLDR: I always bring a 5mm on a liveaboard for water temperatures that I would otherwise dive in a 3mm because the cold "adds up" by day 3 or 4. That being said, if you are super comfortable in your 3 mm, a hooded vest is a great upgrade to warmth, but I would personally get cold on a liveaboard even with that.