My Dunedin winter gear for the last 10 years is a windbreaker jacket and a wool hat. You wussy-boy!

Weather looking a bit grim...

"Showers likely and possibly a thunderstorm before 1pm, then scattered showers. Mostly cloudy, with a high near 64. North northwest wind 7 to 10 mph increasing to between 15 and 18 mph. Winds could gust as high as 25 mph. "

Water temp is 61. Realtime on the water weather conditions at
http://tidesonline.nos.noaa.gov/plotcomp.shtml?station_info=8726724+Clearwater+Beach,+FL