SubMariner once bubbled...
First of all, no matter HOW warm the water is, it is NEVER 98.6F (blood temp). So even the "naturally insulated" people will get cold.
I think SubMariner said it best. Even at 85 degrees, the water is still 10 degrees colder than your body temperature and water conducts heat away 20 times faster than air does.
You need to look at your dive planning. If you are planning long dives, or multiple dives in a day (especially night dives) it will be hard for your body to maintain core temperature.
I spent two weeks there during early September and all of my dives were done in a 3 mil shorty and was perfectly comfortable.
A lot of other people we saw wore no protection whatsoever and seemed fine, but I can tell you that doing 3-5 dives a day, by the time we got in the water for our night dives I was feeling a little chilled.
My recommendation would be to bring some form of light exposure protection. If you get too warm, you can always do without it on the next dive, but you will still have it available if you start to get chilled.