I don't know what your tolerance for cold is, or how much personal insulation you have, but you'd never catch me in that Maine water without a wetsuit, or drysuit! I know the spraysuit with poly underneath wouldn't cut it for me if I was in the water. I wear a Farmer John and have a jacket to go with it, as well as spray top and pants. If it's really blowing and overcast I wear them all even in Summer, and that's in the warmest saltwater in New England! I try to remember to bring both jackets/tops every time I go out with the way weather changes around here. I still remember the last time I was in Maine water. I was waterskiing with a Beavertailed wet jacket on. When I wiped out I was screaming to my cousin to get me out! Being cold isn't cool...PS: NRS has great wet suits with relief zippers. If you don't need the zipper, you can get good suits right here in Rick's store!