There are several factors which effect a diver’s need for thermal protection. First, how cold tolerant/cold sensitive is the individual diver? There are a lot of divers who carry a sufficient amount of their own thermal protection (i.e., body mass and body fat) to be perfectly comfortable - for a while - diving in 80 degree water in just swim trunks and a Tshirt, while others might start shivering after only 5 minutes on the same dive. But, in my opinion, the single most important thing to remember is that loss of body heat from your core is cumulative, so the single most important consideration is what are your dive profiles going to look like over the course of a week. You’ll lose a lot more heat on a 90 minute dive than on a 45 minute dive; if you love the long, long bottom times provided by Aldora or Living Underwater on their 120 cf tanks, you’ll need more thermal protection. If you dive 4-5 dives a day, you’ll need more thermal protection than the diver who only does two A.M. dives then spends the day resting by the pool. If you dive every single day without a break, you will likely need more protection than the diver who takes a day off to recover mid-week. So figure out what your dive schedule and dive profiles are going to look like, take into account the cumulative effect of loss of body heat, and plan accordingly. Personally, if I am doing only a single day of diving (say off a cruise ship) with a budget operator, 80 cf tanks, two 45-50 minute dives, I’ll be fine in just skins. If I am going to dive 5-6 days in a row with Aldora, 120 cf tanks, two dives of 75-90 minutes, then I’ll go for a full 5 mm wetsuit, with hoodie, and maybe even a shorty over that for extra core insulation.