I am both conservative, leaning me toward buying a durable goos over a vacation, and basically tired of divers who dive comparatively little then till up the reef. That ptobably does not apply to you, but in general, equipping yourself to dive often in the local area will make you a much better diver than diving a lot less on one or two warm water trips per year.
Besides, it is often a lot nicer below the thermocline than above it.
Fresh water is also badly under rated. If you can find a lake with fairly clear water, the amount of life in the shallows is unsurpassed, and down deep, there are some interesting things to be found. I have had some truly epic warm water ocean dives with large sharks, pretty tropical fish, bait balls swirling over the reef or wreck, etc. But the average ocean dive does not come close to that and it often is more like what it truly is - diving in the middle of the marine equivalent of a desert.
So get the dry suit and dive often and dive local until you get bored with it, then start thinking dive vacation.
Besides, it is often a lot nicer below the thermocline than above it.
Fresh water is also badly under rated. If you can find a lake with fairly clear water, the amount of life in the shallows is unsurpassed, and down deep, there are some interesting things to be found. I have had some truly epic warm water ocean dives with large sharks, pretty tropical fish, bait balls swirling over the reef or wreck, etc. But the average ocean dive does not come close to that and it often is more like what it truly is - diving in the middle of the marine equivalent of a desert.
So get the dry suit and dive often and dive local until you get bored with it, then start thinking dive vacation.