I do realize as a beginner I will not be diving with a tremendous about of weight but I would like to buy a bc that will last me passed beginner status. I am also thinking what if a fin strap breaks and loose a fin. I'm sure I will need some sort of help to make it to the surface. Would it be better to ditch some weight or inflate the bc some? Just to let you all know I tend to way overthink things.
If needed, you would use the BC -- it can be adjusted up and down. Dumping weights is much less precise (it is hard to dump weights in a 1# increment), can't be easily reversed (the lead is at the bottom and it hard to get it back on your person) especially as you will likely become more bouyant as you rise in the water column, and costs you money (to replace the lost weights).
1) If you inspect your fin straps regularly and replace them when appropriate, a break is a very rare case.
2) When diving, you should be neutral. When neutral, you should be able to swim up easily with one fin. If you had to, you could add some air to the bc (a few puffs and then be ready to dump air as you ascend).
3) Dumping your weights, for me, is only if the #@! has hit the fan. The most common scenario (and that would be rare) would be at the surface in choppy conditions and you are unable to inflate your BC (catastropic failure of the bladder, etc.) Scenarios at depth that come to mind (although none would apply to you): catastrophic failure of a shell drysuit, getting caught in a giant downdraft, major BC failue combined with being overweighted.
4) A properly weighted diver is what you want to be. Often, newer divers tend to be over weighted and find they can do without some of the ballast as they gain confidence and skills.