but what is the popular consensus out there these days?
If you refer to a hypothetical broad-based consensus across the recreational dive community, dive operators and the insurance providers they are de facto obliged to defer to, then I'd say there is no such consensus.
The posts in this thread and others illustrate that.
But can we arrive at a rough rule of thumb understanding useful to the mainstream open water recreational diver who no intent to pursue professional of technical diving training and cert.s? Yes. Here's my suggestion for that:
1.) If you are a so-called 'vacation diver' who dives once on twice per year, likely one day (e.g.: cruise ship stops) but maybe a few, in Caribbean locations with very benign conditions and always boat dives where they tend to cater to very occasional divers (e.g.: St. Thomas and some others; typically a guide is provided), then your basic Open Water certification may be all you need. The may also serve at some U.S. dive op. providers (such as Rainbow Reef Dive Center out of Key Largo, Florida, on their shallow reef (but not deep wreck) dives).
2.) If you intend to ocean dive in the U.S. more widely, particularly in destinations known for deeper diving (e.g.: Jupiter, Florida, or deep offshore wrecks out of North Carolina, or the deep wrecks out of Key Largo), plan to get the Advanced Open Water certification and you should probably get a Nitrox certification, too.
So, the very occasional vacation diver can probably get by with an OW cert., but the avid diver likely to pursue deeper water (especially U.S. deeper water) diving should plan to get OW, AOW and likely Nitrox.
A Solo Diver cert. can come in handy and the training may be valuable; Rescue Diver is a fine course that helps cultivate a better mindset for assessing risk and dealing with problems. But what I listed is what most probably 'need.'
If anyone disagrees, that's fine. Perhaps you'd like to substitute Deep Diver for AOW.