My drytop budget got lost in the xmas tree lot this year, that hurts! Insure your hearing aids, all you fellow hard-of hearing folks. They are expensive to replace 
With a full 4mm wetsuit under a goretex jacket and good hat and gloves, what would be a reasonable water temperature? I think the water runs about 45 in the wintertime around here. Ive only been in the pool since it got cold. Is there any sort of a guide for clothing vs water temperature?
