Update! I changed my mind (again, lol), and ambitiously went straight to AFF level 1 and decided not to do a tandem. I just did AFF level 1 yesterday.
The radio (mounted on top of my helmet) was definitely hard to hear, and I didn't make out some of my instructors commands. However, I felt the radio issue wasn't a big deal because I was confident in my canopy skills, and when to make my 90 degree turns for my landing pattern. I adequately prepared for all of this by reading the USPA booklet, studying the map/layout of the dropzone with key landmarks, and talking to my ground instructors. So, the radio issue wasn't a big problem at all. In fact, I could do without the radio.
Anyhoo, I passed AFF level 1!