I use a 2 mm long sleeve top and 2 mm short bottoms for waveski surfing where I am constantly in the water exposed. It works well down to 60 F water temps. I have a friend from South Africa who uses this set up all winter long here but that just means water temps in the low 50s. I think he is nuts. It will protect you for a brief swim in water down to about 50 F, but I would not use it for anything colder, and you would be pushing your luck in low 50 F water. A wet suit will keep you warmer than people are claiming in wind, but it's not something you are going to use much except in late spring, early fall in Minnesota or for summer on the Great Lakes.
Full Size Sail Rig
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