I'm not a nikon shooter and can't speak to the technical quality of those lenses, but I think you have the range pretty well covered for cozumel or most sites.
The south end of cozumel (palancar, punta sur, columbia) have some really dramatic walls and pinnacles and towering castle-like reef structure, but not a lot of fish. Good place for wide angle landscapes. I'd bet all of those 3 shots from Larry are from the south end.
The shallower end of palancar has a lot of turtles. The shallower second dives have more fish life, especially on the simpler, less dramatic sponge reefs that get dove less often. The lens for those reefs is probably the 60 or whatever you like for a fish portrait lens. Maybe the 105, too. I would not say the gap between the 10.5 and the 60 is so great. In classic terms what you are missing is something like the nikonos 28mm lens, a "shark" lens, something for big shy subjects, and there isn't a lot of that in cozumel. Turtles will get 5 feet from you, if you are calm and lucky, eagle rays and blacktips will say far away from you. Most of the smaller fish are a bit shy and the 60 will be good.
If you have a good house reef, definitely the 105, you can have two hour dives on your own poking around in the eel grass.
I'm not sure I'd add the 16mm prime lens, I don't think it would get you much over the 10.5. I would if it were stellar, technically, or if you prefer the rectilinear lens over the fisheye (I do) but this is cozumel (1 wreck), not truk (all wrecks) and the fisheye distortion won't matter much.
I'd probably add the zoom over the prime, just for the flexibility, but nothing about cozumel makes that especially true, it's just a general comment about zooms over primes.
take a look at Jim Lyle's trip reports below and you'll get a good idea of the available subjects. Jim has been there a lot, he's quiet in the water, he knows behavior, he gets quite close to stuff. For years he shot a 5050 with macro lenses and a wide lens, on his last trip he shot his new oly E330 and mostly shot the 14-54mm oly lens (28mm-108mm equiv), his 105mm macro (210mm equiv) and some 7-14mm (14-28mm equiv)
http://chemistry.csudh.edu/faculty/jim/Jim'sWeb_Page.htm