There is also local discussion about heading up to the great lakes sometime. I am sure that is even colder, probably going for a 9-10mm hood for that. This would be a week or so of diving, as cold as I plan on getting into (and doing anything that is long, deep, and deco).
Keep in mind that I have been living in Arizona for 20+ years. My reference point for cold is slightly shifted from northerners. I never said I 'need' a heater, I just want one. Much like you don't need a heated blanket, but they are nice.