...most new divers substantially underestimate the reality that water 'sucks' heat from a person 25 times faster than 'air'. Also, another interesting 'factoid' for ya :
" Evaporation: the loss of heat associated with a change in state of liquid water to water vapor. A significant amount of energy is required to change liquid water to water vapor. A diver breathes a very dry gas. The lungs need a humidified gas. As the diver breathes, water is evaporated along the respiratory tract to humidify the breathing mixture. This can result in significant heat loss from the diver. "
...make sure that whatever thickness wetsuit you use...that it's a tight/snug fit...a leaky wetsuit is almost worthless......as already mentioned...use a beanie (I use a 3 mm Henderson one) I also use 'dive socks'.....and where possible (although this might not be possible in Cozumel due to 'laws') at least a thin pair of gloves. Even in a tropical place, in summer, I'll use a 5/4 mm one-piece wetsuit.....and I have worn a 7 mm in Cozumel in Feb...and in no way did I feel a 7 mm was too much.....but then again, I'll do 4 dives/day in Coz if possible...and 5 dives/day on the average liveaboard. You can easily cure overheating UW by venting cold water into your wetsuit...but there's no way to 'fix' being too cold mid-dive.