Also, just to point out, it's not just water temperature that's important. It's also how long you're going to be down. A 20 minute dive to a wreck at 120' in 72 degree water is a different matter than a 60 minute reef dive at 60' in 72 degree water.
And both are different after a 1.5 hour surface interval in 50 degree air temps versus 90 degree air temps.
And both are different after a 1.5 hour surface interval in 50 degree air temps versus 90 degree air temps.