Thanks for coming back to clarify a few things, Climbergirl33. You still didn't clarify about Oct. 15 which is not a Wed, but maybe you just got the dates mixed up.
So the dive boat was broken and they came with a fishing boat having fishing hooks that fell off. That probably explains why he didn't have the tools to help assemble your gears (the tools were on the dive boat). You were not asked to sign waivers or given a T-shirt, they were probably on the dive boat. If the dive boat just broke down and he scrambled to get a fish boat out, that may account for not ordering lunch -- which he then should offer a discount. If the dive boat just broke, that explains some of the issues. If the dive boat broke for a few days, they should've improved and overcomed some of the issues already. It'd be interesting to hear from the dive shop on their side of the story.
You had some good diving in Key Largo with your DM cousin. I'll be going to Key Largo to dive next March, and found that most dive shops (except Rainbow) doesn't provide a DM guide unless you pay extra. But your cousin DM probably set up the gears for you, so that you didn't learn as much about gear assembly, and guided you in the dives. That kind of very helpful DM is not the norm there unless you pay extra.
I'm also a vacation diver like you (it's too cold to dive near Toronto), going 1-2 trips a year. I had a couple of poor experiences with rental gear, then decided to take the plunge and bought a X-mas special of Golem BP/W package from FL, then also bought a used wireless computer. I assembled what I can myself, then took it to a local dive shop for the rest and have them check everything out. From then on, I usually do the hook up to tanks myself even in Caribbeans where the DMs usually do everything. That's how I really began to learn about gears.
Not sure if they offered to take a discount off such a trip, or if you asked. But if he agreed (which he should, at least considering no lunch/T-shirt), then you could've ask for change -- then decide on tips accordingly. But that's over now. You learned a few things, and now have your own gears which you can enjoy for many years to come.
Oh, it'd help if you write in paragraphs. Easier to read.