Either would work to dissolve platinum (aqua regia would be stronger and could tolerate the needed heat easier.
Why water to dilute aqua regia short answer is to keep acid working instead of leaving as unreacted fumes.
My attempt at a longer answer:
One reason to dilute the aqua regia is to keep the acids reacting instead of fuming off, platinum is not very reactive even to aqua regia, it takes heating for long periods of time to dissolve, keeping the solution dilute keeps the acid in solution.
during heating some acids react slowly with metals and also the gases from the reaction and from heat evolve, water leaves the solution first, then the nitric, then the HCl, these leave the heated solution as unreacted acidic gases, (HCl acid is 32% HCl dissolved in 68% water), 68% nitric acid is 32% water, once the water from these acids are gone from heating the acid fumes off, but if there is water in solution the gases tend to stay in solution where they will keep or reform acids to attack metals.
Let’s look at heating a dilute nitric acid, say 50% solution, no metals in solution or other acids to complicate things, the solution if not heated too strongly will have a vapor forming from the acid, this vapor will contain mostly water until the solution concentrates and reaches 68%acid, at this point the vapor will contain 68% of our acid as fumes until it was all gone and the pot was dry,
but if we add water to solution (again mostly water would fume off of this solution) and the NOx gases that would leave the solution if concentrated now stay in solution with the water, and now mix with the water and stay in solution reforming acid, and water vapors off leaving our acid being heated in the reaction vessel, (where if we had metals this acid would do work making salts instead of fumes), (also metals reacting with acid produce gases from the acid and metal reactions, having water in solution these reacted gases mix with the excess water in solution to reform acid instead of leaving solution as gases, to again attack more metal).
I hope you can understand this better than I can explain it.