A good wetsuit holds in the warmth pretty well, 40 degrees and a breeze is no problem. I know folks who surf near the arctic circle in wetsuits. Are they 100% warm and comfy, no, but they do keep you warm when wet.
A lot of people post crap about being cold in a cheap farmer john wet suit in wind, or freezing in wind in a wetsuit. It's good to ask what the brand and model of the wetsuit was they were wearing. A decent wet suit can keep you plenty warm in cold water and wind.
YakCatcher Rod Holder
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