So, the long skinny of it is, how do I get the variety back in my metal diet? I tied upping the mineral variety in the world gen, I tried other embarks, other worlds even, and I've got nothing. Please help, the lack of metal variety has thoroughly curbstomped my interest in DF. And that scares me.
Like you, I want dwarves with iron (at least) and steel (if at all possible) as a matter of course. Despairing of a solution in game (I can't even see layer types to specifically pick layers likely to have iron in 31.25) I just shrugged my shoulders and modded the game to have iron. You may not be willing to do this (it may offend you to mod the game), but it's very simple to do.
Here's how I got there:
1. Set mineral availability to 100 in worldgen parameters.
This alone will not fix the issue, but it will make finding metals easier. You note that you've already done that, but I mention it because it will make step 2 easier.
2. Add a line to permit iron smelting with Cobaltite and Cinnabar. (Dwarf Fortress 0.31.25\raw\objects\inorganic_stone_mineral.txt)
My modded RAW entries for these ores, changes bolded for ease of use:
ore of mercury, powdered gives vermilion dye
[INORGANIC:CINNABAR]
[USE_MATERIAL_TEMPLATE:STONE_TEMPLATE]
[METAL_ORE:IRON:100]
[STATE_NAME_ADJ:ALL_SOLID:cinnabar][DISPLAY_COLOR:4:7:1][TILE:158]
[ENVIRONMENT:IGNEOUS_EXTRUSIVE:VEIN:100]
[ENVIRONMENT_SPEC:SHALE:VEIN:100]
[ENVIRONMENT_SPEC:QUARTZITE:VEIN:100]
[IS_STONE]
[MELTING_POINT:11044]
[INORGANIC:COBALTITE]
[USE_MATERIAL_TEMPLATE:STONE_TEMPLATE]
[METAL_ORE:IRON:100]
[STATE_NAME_ADJ:ALL_SOLID:cobaltite][DISPLAY_COLOR:1:7:1][TILE:158]
[ENVIRONMENT:IGNEOUS_ALL:VEIN:100]
[ENVIRONMENT:METAMORPHIC:VEIN:100]
[SOLID_DENSITY:6295]
[IS_STONE]
These ores (cobalt and mercury) do not currently have a use in the game,
but are treated as metals by world generation! Originally I just deleted them, but this didn't entirely solve my problem. So, I've since tested a few embarks with modified RAWs, and I was much happier just being able to treat Cobaltite like Blue Limonite, and Cinnabar like Hematite-Lite. This more or less solved my metal woes, as Cobaltite and Cinnabar are often found on those "mountains of gold and silver" maps like you're describing, in veins and small amounts - but enough to build plenty of traps and weapons/armor.
If you make this change, and set the site finder to look for flux stone, you're almost guaranteed to have the means to make steel, though you may be doing it from Cobaltite/Cinnabar and flux.
If that's not enough, you can further modify the game by allowing either layer stones (inorganic_stone_layer.txt) or modifying other "typical" stones (like Mica, Jet, and so forth, all found in inorganic_stone_mineral.txt) to allow a chance of iron production when smelted - this chance does not HAVE to be 100 (it is 100 in my examples above) but could be lower, if you want to have a chance of failure when attempting to smelt iron from these "backup" sources.
If you go the modding route, a list of stones found in veins and clusters may be of use.
Here's a good one that explains how you'll find these stones to give you an idea of how to balance them to taste.