Nothing new in my post, but just because it's nice to have a number of respondents:
I've dived in the Keys the last two Decembers (over the holidays at the end of the month). I'd have to look in my dive log to be exact, but, as people are saying, water temps are in the high 60's to low 70's. What I've noticed is that the air temperature being fairly cool (i.e. 70's) factored in to my overall warmth/comfort factor. Getting out of the wetsuit and into something dry makes a bit difference, and to that end I've been thinking about getting a "boat coat." I went with clothing/windbreaker but a boat coat would be so easy and cozy.
The first year temps were a bit warmer, and I got by with my 3mm fullsuit and a 1mm hooded vest. I was not super warm, but was okay.
Last winter water temps were a bit lower (66º on a few dives) and I was chilly in my 5mm until I got a decent hood (was a rental the previous year).
In both cases it was "chilly" on the surface in a wetsuit or while changing. (Whereas in fall I was diving in water nearly that cold and was fine in my 3mm, which I attribute to the much warmer air temperatures.)
It can be a bit cloudy, and can get downright cold (got down in the 30's, IIRC, last December.... was freezing and wearing a jacket in the lodging!). But it's a lot nicer than most anywhere else I could have driven to and dived at that time of year ;D