Cozumel water temps vary from about 77 degrees in late winter to about 84 in late summer. By and large 3mm is adequete thermal protection, with some folks going up to 5mm in the winter. I use a 3/2 full suit year round, while my wife uses either 3mm or 5mm according to the season.
How much insulation you & your gal need is hard to predict. Look at how different folks dress on any winter day, anything from a light sweater to a down parka with hood. Starting from average, adjust how you dress for water according to how you dress for weather. Also, if you're doing longish, multiple dives, especially on a cool or cloudy day you'll be happier if you erred towards the high side. Within reason, I've never heard anyone complain of being too warm in the water.
One minor point of disagreemant with your LDS. If you follow this boards postings you'll often read about men having trim issues from "heavy legs", rarely women. If you're fairly athletic, especially in sports like cycling or running & have problems maintain horizontal trim, go for the full suit rather than the shorty. The added floatation on your legs will make trim easier to manage & take strain off your lower back.
BTW- Regardless of the time of year, I'll bet the dive Ops staff is wearing more insulation than what he's suggesting for you. The locals are aclimated to the heat and feel chilled when the sun goes down.