I have traveled quite a lot with my steel plate. Buy the rig that best suits the diving you primarily do. Unless you are diving in warm water with no exposure protection and steel tanks, a steel plate will work fine in warm water.
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I along with the OP is looking for a DIR rig I can grow with, into more diving as well as eventually progressing to more tech / cave environments since I am in South Florida and will be moving to Gainesville in the next year or so.
Is the
Is this set up DIR compliant? The Dive rite transpac xt
Dive Rite Transpac XT Travel Zenith Package
Trasnpac is NOT GUE/UTD approved. You need a rigid backplate, so that soft backpack won't do it. You will also need a one-piece continuous webbing harness, so that "transplate" comfort harness won't do it. I will so NOT recommend that DiveRite quite release weight pockets wither. The inner pocket holding the weight has large corner opening. A 2lb bullet shape weight will slide out.
DRIS has a package for $379 that looks OK, but I've never seen it in person.
I bought a used Infinity on ebay for $500 myself.
A few weeks on eBay will really whittle down your costs. Lots of good deals out there. Order your webbing and hardware and lace it yourself. I like DGE hardware and webbing. You will sooner or later end up with both an Al and SS plate. I'd say start of with the Al. You can add a v-weight to an Al plate but can't shed weight from a SS plate if you're overweighted.