While individual acclimation and tolerance of cool or cold temperatures varies a lot, as does exposure suit preference at various temperatures, I find that 75F and up is warm water diving, because that is what my wife will dive. 50F to 74 F is cold water wet suit diving for me, usually 3 mil hooded vest under 5 mil full body suit with 5 mil boots and 3 mil gloves. On the VERY RARE occasions when diving is 49F and colder, I will use a dry suit. I will beef up or peel down the exposure gear depending upon number of dives or hours in the water per day and successive days of diving. 80F and up is warm water by any standard, and under 60 F is to me, just plain cold.
DivemasterDennis