While the shorty suits where fine for the ~75* surface water for the 100* day, what another poster said was pretty accurate. "you won't stay long past the thermocline". I haven't dove tropical waters yet, and see why no suit or a shorty would make sense on the surface, but do people rock thicker suits to go deeper?
It's not just depth but also overall time in the water that will bite you on the later days. If you do 3-4 dives per day in 75-80F water every day, depending on your cold tolerance you might start feeling colder around day 3 or so.
You don't necessarily need a thicker wetsuit - a good hood will give excellent bang for buck in terms of keeping you warmer (skipping this was the mistake I made last time). Also try base layers like LavaCore under your shorty, they don't add any extra buoyancy like neoprene and provide a decent amount of thermal protection for warm water.
So far I am thinking an AL plate with some trim pockets and a ditch able belt looks like the best choice as adding or subtracting lead seems a lot easier than limiting what tanks and suits I can jump in with, especially when I am going from fresh to salt and plan on flying my gear.
As others have already suggested, do a proper weight check first before you buy anything. You'll be surprised how much weight comes off (I sure as hell was).
Some other things to consider when deciding between AL and steel BP.
For limiting which tanks and suits you can use - With your 2mm shorty, steel BP in fresh water, you would switch from steel tank to AL (probably still be overweighted). It's way easier to get an AL tank rental than a steel in most places. Is there a case where your only option is to dive a steel tank (either due to LDS availability or something you own)? In general, steel tank with a thin wetsuit is not a great idea, especially if you start going a little deeper. Once you start wearing thicker wetsuits or drysuits, steel BP becomes more and more preferable.
For trim pockets - They are convenient for doing weight checks and to figure out trim but I would not want to use them as a permanent solution. When you put them on your tank bands, you will have to empty them out every time you're swapping tanks - for me, this was quite annoying.
For fresh to salt - Steel backplate will help you here as you will need more weight.
For flying your gear during travel - Steel plate isn't that terrible to fly with, I think they're usually 2lb heavier. Depending on how close you are to the baggage limit, this may or may not be a factor.
Not really. Are you taking about a free flow, which can happen, or a full stop of the regulator, which should be close to impossible? If the former happens, dealing with it is taught in the basic OW class. If the latter happens and you have no one around, you would have to go to the surface with a CESA or buoyant emergency ascent, but you would make it. That is an incredibly rare scenario.
I guess I meant any OOG scenario. I gather those are quite rare in terms of happening due to equipment failure but I was playing along with the scenario presented.