I'm not criticising your SAC rate. Hey, if you can breathe a .2 and not die, all the more power to you. You still didn't answer my question. What is an acceptable SAC rate, in your obviously not very humble opinion? I want a number. Be concrete.
As for cold water, regardless of undergarment, it substantially effects your SAC rate. I have always breathed around a .4-.45 on my very few warm water trips and around a .55-.65 in cold water. If you can suggest a better undergarment than a 400g thinsulate with wicking layers combined with dry gloves and an ice cap and 7mm hood, I'm open to suggestions, but when the water is cold, it is cold and there is only so much you can do about it. Diving in Massachusetts or Canada in February is cold.
Most of the people who quoted SAC rates are cold water divers (cold being below 40 degrees at times, not warm 72 degree water springs for a long duration). While I often agree with your posts and you obviously have a lot of cave diving experience, unless you have substantial cold water diving experience, you really should **** about criticising SAC rates.