fastcat wrote:
There are several good options. I would suggest a separate spray top and bottom for more versatility. A breathable top is best, less so for the bottom. I use mine in combination with a farmer john wet suit and if warranted, a wetsuit top. Neoprene cap and booties round out the wardrobe. Mix and match as weather and water conditions necessitate.

I'd like a dry suit, but for some of us, that's more then a "little" extra money. Those things are expensive.
If you're not looking at a drysuit, fastcat has the right idea. Buy a variety of gear that you can mix and match for the conditions. I have different weather then you do in Florida, but I mix and match the following pieces based on weather and water conditions:
-Wet suit shorts
-Wet suit vest
-Full wetsuit, (covers to wrists, and ankles
-Rubberized hat type thing (covers my head like a hood, looks like a divers wetsuit cap
- Neoprene gloves
- Neoprene Socks
- Crocs shoes
That keeps me warm in Canada throughout the sailing season. You're looking for spray gear not warm gear, but the system of multiple pieces works great for me. Shorts and maybe a vest in the summer. Wetsuit when the water is cooler, full hood and socks and gloves when it's colder still.
Try to buy stuff that won't become obsolete with the purchase of other items. All of my gear is useful without cancelling out the need for other stuff. The total price of most of the above is under 400 bucks Canadian for quality gear, that's a lot cheaper then a dry suit, and serves the same purpose to me. The purpose being that I'm able to get out on the water in less then ideal conditions.