Mike,
I’m not trying to convince you one way or the other but I think the fears of a wooden roof are overstated. If properly sealed and secured to the body a wood roof has no more danger of warping than any other type short of soaking it in water. Wood has been used for model RR cars for ages in all scales. Hartford’s beautiful car kits have wooden roofs much thinner than what you’re planning and they don’t have problems and you were planning on using high quality wood. Too, many an “O” scale passenger car was scratchbuilt using wood for a roof and laminated strathmore board for the sides and if properly constructed lasted for years.
As to being top heavy that shouldn’t be a problem either unless you’re making it out of iron and/or going around 8 foot diameter curves at a scale 200 mph. The Aristo heavyweights I used to have before I went total narrow gauge were quite hefty cars and well able to support a poplar roof without adverse affect I’m sure.
The other materials suggested can all be made to work just fine too of course. My suggestion is to assess your own abilities and choose the material best suited to you.
P.S. I used my tablesaw to cut plastic components evenly and fine tuned size on the disk sander. A good carbide blade will do the job and there are also special plastic blades available that minimize melting buildup around the cut(s). A Zona saw should work fine too. Just take care to get a square cut.