Definitely have a point there. I guess if you get separated from your boat in very cold water (under 60), you have a good chance of cold injury if you are wet (and even if you aren't), so a drysuit in those conditions would be preferable.

Don't know if the water's ever been that cold in FLA, so until I can afford a drysuit (which will be worn perhaps three times per year), I've been able to get by with the fleece/spraysuit combo.

When it does get cold, it is usually much lower air temperature than water temperature, as the cold temperatures don't last long enough to cool the water down too much