The reason some prefer SM over backmount, and others prefer BM over SM really comes down to personal preference. They each have pros and cons. Some people believe BM is the best route for the majority of cave diving, others view SM as the best route for the majority of cave diving.
However, regardless of the differences between SM and BM, based on the things you have written in this thread, you are not mentally prepared to engage in cave diving. Period.
There's a thing called stress, which can lead to perceptual narrowing, which can lead to panic.
Stressors are like the layers of an onion. Things like a wet breathing regulator, being in an overhead environment, monitoring your air, monitoring your time, maintaining trim, being in unfamiliar gear, a leaking mask, having a regulator tugged out of your mouth by the wall of a cave, all add stress and build on top of each other. When you get to a point where the cumulative toll of the stressors is enough that you start focusing on those stressors -- let's use the need to clear a regulator, for example -- then you begin losing your awareness of everything else around you. You may lose attention to the guideline, you may lose awareness of which way is out, you may get separated from your buddy, you may cause a silt-out. When you start having perceptual narrowing problems, and then the fit hits the shan, you may very well wind up in full bore panic.
Once you're in full blown panic, there's no coming back. Your thinking brain shuts down and your lizard brain takes over. You become a hazard to yourself and the people you are diving with.
This really happens. I've seen people in full out panic. It's not a pretty sight.
In technical diving (and really, it should be all diving), we have the golden rule: Anyone can call any dive at any time whatsoever with no repercussions. If something as basic as taking a second stage out of your mouth, putting it back in, and clearing it causes you stress, then I strongly suggest you use the golden rule to avoid going into the overhead environment entirely. Focus on diving in the openwater and perfecting the basics.
Fact: Water filled caves can be some of the most unforgiving places. The cave doesn't care if you live or die, it is just there.
Fact: When you have a problem in a water filled cave, you cannot go straight to the surface. You have to deal with the problem in the cave and make your way out.
Fact: Remaining calm in a cave environment is MANDATORY. The first or second thing I teach brand new openwater divers is reg removal and clearing, if the idea of doing this causes you mental discomfort and stress then you have ZERO business cave diving.
Look, I'm really trying to help you here. I'll even be happy to mail you a free copy of Sheck Exley's Blueprint for Survival which outlines several of the risks and hazards in cave diving by looking at a half-dozen fatalities in detail if you PM me an address.