Hi OldNSalty! You started this post asking about the crotch strap. Now at post # 123 youre still asking! 
Youve heard a lot from experts. One of the good things about this board is that you can get comments from all types. Sometimes people starting out just want to hear all sorts of opinions and then make up their own minds. And if they decide they want to go their own way and gain their own experience, well, no offence meant to those who are offering their wisdom gained through the years, but that should be okay, too. But even in those cases, hearing that voice of wisdom is very important and much appreciated, so keep that coming, please.
Anyway, back to the crotch strap. Ive used it in the past. Lately, I have just left it off. I may go back to it some time. It seems a little much (for me) and I have not found any lack of stability without it. It is quite rare that I go upside down and I dont remember anything special. (I see people in mainstream BCDs going upside down I can guarantee their cummerbunds are not the magic trick. Its just not that big a deal maybe unless you get very acrobatic.) I do cinch the waist belt pretty snug. I use a 3 mm wetsuit that has seen about 150+ dives and rarely go below 100 feet, so probably not much compression on the suit, keeping the belt still pretty snug throughout the dive. I can still doff it in the water, but not very easily. Single tanks only.
Crotch straps can be seen as optional. It shouldnt be the deciding factor, or even one of the factors. Cost is negligible, so get it, try it with & without, then decide. But it might make you look & feel cool! And one is never too old or salty for that.
Hope this helps.

Youve heard a lot from experts. One of the good things about this board is that you can get comments from all types. Sometimes people starting out just want to hear all sorts of opinions and then make up their own minds. And if they decide they want to go their own way and gain their own experience, well, no offence meant to those who are offering their wisdom gained through the years, but that should be okay, too. But even in those cases, hearing that voice of wisdom is very important and much appreciated, so keep that coming, please.
Anyway, back to the crotch strap. Ive used it in the past. Lately, I have just left it off. I may go back to it some time. It seems a little much (for me) and I have not found any lack of stability without it. It is quite rare that I go upside down and I dont remember anything special. (I see people in mainstream BCDs going upside down I can guarantee their cummerbunds are not the magic trick. Its just not that big a deal maybe unless you get very acrobatic.) I do cinch the waist belt pretty snug. I use a 3 mm wetsuit that has seen about 150+ dives and rarely go below 100 feet, so probably not much compression on the suit, keeping the belt still pretty snug throughout the dive. I can still doff it in the water, but not very easily. Single tanks only.
Crotch straps can be seen as optional. It shouldnt be the deciding factor, or even one of the factors. Cost is negligible, so get it, try it with & without, then decide. But it might make you look & feel cool! And one is never too old or salty for that.
Hope this helps.