It's always good to get Capt Jim's input in these matters, as he knows as well as anyone what really happens. Not only do you have the "it depends" factor of variances between divers - like me happy in my 5 mil long diving with another diver who was happy in his light vest, but there's also the variances in water and air temp both to allow for. Now I'm thinking about packing my 5 mil and my 7 mil both for my Bahamas trip that week?! :11:
Staying well protected on the surface, with a jacket and just as important - a good cap, will help prevent cumlative body core heat loss. Some ladies tell me that they like to wind dry their hair after dives, but then - they later say they're cold. In the water, a good beanie will also help tremendously, too. Take hair conditioner, and keep your head covered in water and out. Drink warm liquids only, too.
newbie-in-fl wears only a 3 mil & beanie in 72F spring water, but he's not getting the wind treatment one receives on a boat; his tolerance may be more like my above described buddy; and - he may find he needs more coverage as his experience increases. {He doesn't list his experience on his profile?} MOre experienced divers like Capt Jim burn less air. therefore less calories, therefor need more protection.