Disclaimer: I live in the Deep South and consider your average conditions to be very cold. I don't go out when it's that cold anymore (getting old!). When I did, I wore a full 3/2 wetsuit because that's all I could afford. However, wearing a wet full wetsuit is about the most uncomfortable thing I can think of for me personally.
It's good that you're on protected water, stay close to shore, etc., but it's also good to plan for when things go wrong that will extend your exposure. Hypothermia can begin affecting cognitive skills, coordination, and such very quickly.
In my opinion, the evaporative cooling factor is very important but often overlooked. When you're wet, even in a full wetsuit, the wind exposure adds significantly to the cooling caused by the cold air/water contact. I good wind-stop spray top, even a lightweight one, that reduces the wind hitting your torso will help with that a lot.
If I did sail regularly in your conditions, I'd be looking for the best dry suit I could afford. (Yes, they are expensive, but almost all good gear is!) They keep most of your body dry, and you can vary what's worn underneath according to that day's temperatures. In addition to that flexibility, they are WAY more comfortable than a full wetsuit in my opinion. When the Hobie rock stars come down from up north to the MS Coast for Mid-Winters in April, almost all of them wear dry suits, even though they consider the conditions to be balmy. (I suppose it is...as compared to Buffalo!)
_________________ Jerome Vaughan Hobie 16
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