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For guides just type cayo perico solo guide to google/youtube (beware though, some older guides can be a bit irrelevant since they don't account for some stealth changes like guards detecting bodies now).
Sonar is a waste of money, don't bother with it.
Guided missile isn't necessary, but fun.
Sparrow is a good investment because you'll be running back and forth from the sub a lot. Add a few hundred K more for missile and chaff upgrades.
https://blog.turtlebeach.com/gta-online-cayo-perico-heist-payout/
Yes the sub will cost more than you'll make from the Madrazzo Mission to steal Rubio's Files.. IIRC, that's only worth ~1m.. After that, however, you can go back over and over and over and over again where you'll get either Tequilla (900k), a ruby necklace (1m), bearer bons (1.1m) or a pink diamond (1.3m).. on special occassions, Rockstar will make the Panther statue available, and that's worth 1.9m.
After two heists with full cuts, you've made your money back.. and I would recommend getting the sparrow and guided missiles asap.. the sparrow comes in handy for getting to the mainland while prepping.. if you're going to have help on the preps, it's almost necessary..
The guided missiles aren't really necessary, but with them, you can do all of the disruption preps with fast travel and you only need to leave the sub to go inside the warehouse on "Armor" distruption..
Weapons:
https://steamcommunity.com/sharedfiles/filedetails/?id=2871510083
Buzzards:
https://steamcommunity.com/sharedfiles/filedetails/?id=2871509999
Armor:
https://steamcommunity.com/sharedfiles/filedetails/?id=2871509935
And if you want to make for some quick Equipment and Weapons preps, you can try docking at the boat yard..
https://steamcommunity.com/sharedfiles/filedetails/?id=2703236576
This is how I do it...you can have all prepped super fast.