I hate to be a nitpicker, but you have components of two diets here that aren't compatible.
Adam's Diet allows 1 carb meal per day. That one meal can have up to two servings of starchy carbs. Bread, cereal, and potatos would all be starchy carbs.
Berardi has a 90% rule, not 80-90%. That's a big difference. From about 4 uncompliant meals to 8! Most people take that as 10% free meals/cheats, but it's not. Berardi diet says no starchy carbs except just after a workout, so any meal that is starchy carb when it's not right after a workout is not compliant. Also, not enough protein, no veggies, no healthy fats, etc. All of these things mean you've used one of those 10%.
If you choose to follow Adam's Diet, then the breakfast bread and cheese sounds like a good choice for your carb meal. Go with whole wheat bread and eat enough cheese to get a decent amount of protein. Maybe have some raw veggies with it, too.
Just don't have the cereal at bedtime. Come on. It's a diet.
Three times a week is too many treats. Have a piece of fruit if you need something sweet. You don't think three times a week, giving in to tempation is a habit? However, it doesn't matter if it's a habit. You're trying to lose fat, right? Again, it's a diet.
Neither diet has scheduled "cheats." Obviously, a piece of pie would use up one of those 10% meals on Berardi's plan. Pie would be a carb meal on Adam's Diet, too. Other than that, if the diet's working for you, you're good. If it's not, dig deeper.
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PS: My girlfriend is also trying to lose weight. Should she stick to my plan or does her body have different needs?
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Your girlfriend should do just as well on either diet. I have a friend (a girl) who's doing fantastic on Adam's Diet.