I'm not happy with any of those, and avoid them whenever I can get away with it without my 5e loving players revolting.
What do you mean by hard armor limits?
Just seems like a waste of money to me. Not sure what the D&D DMG provides that the other two don't (or at least T&T for A5e; I don't have TotV's DM book yet.
I don't want to badger any player, but part of the class narrative of the class the player chose is that they receive their power through an agreement with a patron. That patron IMO needs to matter to the campaign.
One: sometimes they do. Depends on the god. Certainly other members of the faith might take a more active role.
Two: warlocks patrons (mostly) seem to have a more intimate relationship with their warlocks.