Ah. It's not so much the cold for me as it's the wet suit I can't handle. I'm claustrophobic and I can't get out of the damn thing without dislocating my shoulder. 4/3 is pushing it for me.
On that note, do you use ear plugs? Cold water over time is not great for the ear canal. I cannot get my kids to buy into it...because they're invincible kids...and I get it, they are a pia. I wear them because I have to..water rushes in.