Just a quick thing on the drysuit. Speaking of a shell suit here.
The shell is essentially that. It keeps the water out. It has seals to do this. It also has a means to add air into the suit, and to vent it. Underneath the drysuit, you wear insulated underwear, or a sweat suit, or whatever you would wear for air temps the same as the surrounding water temps.
But here is where the big benefits come in:
1. With the drysuit, you can dive in warmer waters like here in N.FL. or chilly waters, and you just change your undergarment. And you stay dry.
2. When you get OUT of the water, especially in cold weather, you are essentially dry. Not wet and freezing.
3. The drysuit can also serve as backup buoyancy in case you ever have a problem with your BCD. Wetsuits cannot perform this function.
4. Thick wetsuits crush as you go deeper, thus losing their warming ability. This is why you wear 7mm suits. So when they crush down to 3mm at 60-80ft you still have some warmth. With a drysuit, this doesn't happen. The suit maintains it warmth at all depths.
5. The big drawback to getting a drysuit is cost. A good 7mm wetsuit will cost you about $500 or so off the rack. Probably a bit more for a custom one. A second custom drysuit in 3mm will cost you maybe $300. A good, basic drysuit can be had for only a couple hundred more dollars. You've got a year to save up for it.
As a comment, I wouldn't worry about getting the wetsuit or drysuit right now. Wait until you are nearer to your certification. Perhaps you'll lose a significant amount of weight. Rendering a wetsuit that you might buy, essentially useless. And since it's custom sized, you'll have to eat the full cost.
One other thing. It's highly unlikely you'll stay around 40ft after certification. A great proportion of the interest in diving is looking at what is on the bottom. There are VERY few sites, even simple ones, that have a 40ft bottom. I'd say it's more realistic to think you'll be doing 50-75ft not that long after certification.
Best of luck.