I can only tell you my experience, but I'll add it in case it helps you with your decision.
I spent one trip diving in 66º to 72º water. Not a live aboard, but dived nearly every day. Two dives most days and a couple days with 4 dives.
I tend to be chilly. I wore a good 5mm full suit (i.e. good seals at wrist and ankle, etc.), a 3mm hood, neoprene booties, and very thin gloves (all I had). I was cold right away in the 66º water (in fact thumbed the dive), and okay-but-definitely-not-hot in the 72º water. I would gladly have switched for a 7mm, a hooded vest, and/or thicker gloves (not that my hands were cold, but just for overall insulation).
My buddy is one of those "always warm" types. He wore a good 3mm suit, a 7mm hood, neoprene booties, and thin gloves. He was warmer than I was, but I'm pretty sure he would have worn a 5mm suit if he'd had one. He was definitely starting to get chilly by the end of the high 60's dives.
I agree that the vest would be helpful; I rented one last year and it really helps with that extra seal at the neck. But personally, I can't imagine doing a liveaboard in those temperatures in a 3mm suit and not being miserable.