As everyone else said, cold tolerance is very individual.... but a snug suit makes a huge difference due to less water movement/flushing inside. I have a cheap 3 mil that worked fine for me at the St. Andrews jetty in December (60* water temp) with a neoprene beanie and 3 mil gloves, but the gentleman I was diving with was in a 6/7 semi dry and complained of the cold.... I would suggest a hooded vest like tbone said, and see how it does for you. If your 3 mil doesn't cut it, keep it as your really warm water suit!