Greg brings up a good point - a wetsuit without something over it will loose some effectiveness due to water evaporating off the outside. They're designed to be submerged, you know - wind will sap you of some heat unless you put a spray top on. And Chip is right, too - shorty and a spray top was what I wore for several years until I lucked into a drysuit. Great low-cost (relatively) wide-application combo, particularly for Florida racing.
Dan's suggestion is right on, and addresses Scoob's concern a little - Kokatat (predominantly a kayak waterwear company in Cali) makes a great drysuit that I find to be very comfortable to wear. They also have top-shelf customer service - had my drysuit for four years, sent it in to get new seals, and they told me they didn't like the way the interior fabric was wearing (I couldn't even see what they were talking about). They warrantied the whole suit and made me a new one.

And Jake - RELIEF ZIPPER, BABY! Has saved my concentration more than once. If I'm in conditions that prevent me from unzipping for a minute to pee, then I'm very likely too busy to worry about it anyway.
Oh, and I could pee out of the shorty with a little effort.