You are a coldwater sort.
I prefer thin merino wool if I must to have something wet against my skin. I have a drysuit that an instructor sized for me, it is like shrink-wrap. I foolishly took it to Ontario for ice diving without first trying my heavy thermals in it. My thermals would NOT fit in that wetsuit. So, I dove ice in just thin Merino woolies and was fine, even where the water leaked in.
Disclaimer: I have NOT tried thin Merino wool with my wetsuit, (I use bicycle shorts, very stretchy and my car key goes in the pocket).
Stoo is going to Belize.
@Stoo I mostly see the guys here wear some sort of compression shorts. UnderArmour type stuff. Doesn’t bunch up like board shorts would.