In water that is below 40F, a drysuit is probably the best solution. Considering that the air temperatures will likely be cold as well (guessing 32< on many days), I don't even think you'll have a huge problem with being overly warm.
A drysuit keeps your clothes dry and this is the ony thermal protection it provides. If you are dressed for the weather and put a drysuit over it, you may be too warm (no air penetrating the clothes, no way for sweat to evaporate), but if you dress so that you are just at the edge of feeling a chill, you should be okay. If you get too warm you can either float in the water, stop or unzip a bit to let some coolness in. A surf ski should allow for easy exit/entry to both the boat and the water, so getting on shore to do this should not be a problem.
Drysuits are expensive, but at these temperatures, they will offer the best immersion protection. A wetsuit sufficient to allow long term exposure to near freezing water will probably be too stiff for paddling.
1 Canoe/Kayak Trailer
Pull-Up Strap Handle Kit
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