Greetings Lorie and welcome to SB! I have been in some cold water whilest diving wet.
I have assisted in a Deep Dive for ADV OW last April. Air temps were in the 60's water temps in the low 40's. When we did our 100' dive it was 35-36º and I will not lie it was cold. If it been a long planned dive I would have done it in my dry suit. Cold water is nothing to take for granted! It can bring about free-flows, and hypothermia very quickly. When properly prepared , dive planned for cold diving procedures cold water can be awesome! I have found that I love the cold stuff but it does take specific attention to planning dives. Being tough is not enough, there are reasons to plan your dive for an extra 10' on the RDP. Take the extra time to prepare your gear, exposure protection, and prepare your cold water diving skills. Extra attention to free-flow training. This is very important and the most common in water temps below 40º and I have witnessed several as well as had a few my self. When handled properly it is no big deal but you need to train to handle it correctly. Another great reason to continue training and get involved with a local dive club. It is good to dive as much as you can to gain experience and comfort in your local waters.
I have found that my local diving to be mostly cold but incredibly awesome!
Welcome to SB you will find many cold water lovers here! Please keep us posted on your progress. Safe diving and good luck!
CamG Keep diving....keep training....keep learning!