As usual it is user preference. We have cold water and warm air in Texas so I like to wear a shorty and then cover it with nylon pants and jacket to keep the water off and still be cool if the sun comes out. If I had the money for a dry suit I probably would buy one cause they keep air and water off and some have vents for coolness.

if however you end up in the water without your boat for a while you better have a wetsuit on.