LOL TK. Regardless, I still covet a Surf Fur.
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Not being female nor diving in a wetsuit I naturally feel fully qualified to answer this question .
Perhaps something like this may suffice?
C Skins Hooded Poncho Changing Towel
Does it have hangers under there---for keeping up with the clothes you're gunna change into???.......Just thinkin' here, you could also do the same with a BIG ole beach towel------just cut a hole in the very center of it---big hole for big-headed people.....
Here is a link to what I was talking about except that on this one the top is closed. It just pops open.
Amazon.com: Matter of Time Instant Privacy Pop Up Shelter: Sports & Outdoors