I'm originally a New Yorker and the water was somewhat cold. I have a nice thin trilam that I loaded up with insulation. I now live in deerfield beach florida and am diving a 3mm full suit with a hood and am comfortable in July. I DO NOT LIKE TO BE COLD. The question is does anyone down here dive dry during the winter? I do not want to dive a 5mm, 7mm etc... If anyone does dive dry here what do you use for insulation if anything at all? I've never had this dilemma.