Sweat or other moisture next to your skin can make you fel mch colder, so a layer designed to wick moisture away, like the thin and stretchy polypropolene underwear used by climbers, cross country skiiers, etc, is a good idea to have under whatever breathable insulating layer you are using (wool, fleece, etc.)
Flexibility and movement issues aside, using a neoprene suit as an undergarment would be uncomfortable as if you did sweat it would be right there with you with no place to go.
A worn dry suit zipper starts to fray as the nylon threads come loose from the black rubber coating applied over them. Your best bet to increase the life of the zipper if you see these is to carefully singe them off with a lighter to slow their progression.
Your best preventive maintence is to keep your zipper well waxed and never store it in a closed state.
Neoprene seals tend to last virtually forever.