I dive in surf shorts and 3mm jacket in Coz (now crushed) for all months. I can do that down to about 74F. I am about 6'7" 260 lbs so I don't get cold as fast. Rental wetsuits are not common for me. I can feel cold freshwater when it enters from the reef (after rains usually) but can swim out of it. My wife and friends I dive with in Coz use 3mm full or shorty (women - full; Men - shorty, DM - as many wetsuits that he can put on). My wife, who gets cold easily, will at times put a 3mm shorty over the 3mm full. Alot of difference between the two of us. I do get some stings on my legs at times (some months few) but I don't care that much. Night dives I wear a full skin or rafting/kayaking pants ~1.5 mm for exposure protection. Towels and sometimes boat coats are on the boat. The wetsuit depends on you.