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MMM:Two reasons: cost and the requirement to learn new skills. I'm cheap and lazy. ;^)
New skills are a breeze and the cost is well...if you add up all you're neoprene, you'd be there

I undertsand the cost factor...it was my limitation for quite a while but well worth it IMHO.
Anyway back to the oroginal question, as others have said, better to let your wife complain about her choice of too much neorprene than your choice of making her cold!