The lift capacity of a BC DOES matter, and they are not all the same.
What a BC needs to do is two things: It has to float your rig on the surface when you are not in it (this is sometimes necessary for diving off small boats), and it has to compensate for the buoyancy lost by compression of your wetsuit, or flooding of your dry suit. Obviously, all those things are easier in tropical diving, because you carry very little lead, and a thin wetsuit loses very little buoyancy. I can dive in a 3 mil suit with an aluminum tank with a 17 lb wing. On the other hand, if you try to use that wing in Puget Sound, your gear will sink if you take it off, and you will sink if you get much below 30 feet, or flood a dry suit.
So that's why folks are telling you that the kind of diving you intend to do will have an impact on the gear you choose. Lift is a consideration. So is fit, which is really important, because if a BC doesn't fit properly, it doesn't hold the tank stable in the middle of your back, and it makes diving at best uncomfortable. For cold water BCs, you have to decide where you are going to put the lead you have to carry. BCs with multiple options (like trim pockets) can make carrying a lot of weight easier and make it easier to trim out.
Intrinsic buoyancy is another factor. One doesn't mind a floaty BC in the tropics, but in cold water, most of us end up trying to figure out how to minimize the weight we have to carry, because it's so much work, and having to carry 3 lbs just to sink a BC is annoying. This is where backplates shine, because they actually incorporate some of your necessary ballast into the BC itself.
Comfort is important. Some people like the wraparound feeling of jackets; others prefer the less cluttered chest that comes with a back-inflate. Some of us take that to an extreme, and go to simple harness systems.
Anyway, with more information about the kind of diving you see yourself doing, we can provide more specific advice. But one piece of advice that I think is good anywhere is to look at what the people who dive where you dive are using and see if there is a predominant style or type. People have usually figured out what works.