i sail in fl and sail year round. Our water is 65 now but can get into the upper 50's by mid/end of winter
I have tried many different solutions over the years to allow me to sail in the winter:
cheap nylon pants (to cut the wind) are great but very slippery when wet - $10
Farmer-John wet suits are good for core and leg insulation - around $200 (i think)
I have been using kayak pants with neoprene leg cuffs for the past year. I stay about 85% dry if tucked in my zip up booties (but feet stay wet) - $80
i just ordered a
kokatat whirlpool bib with socks (Tropos not gortex ) that should keep me 95-98%% dry -$250
my buddy has the gortex version... 99% dry $550
I HATE a tight collar around my neck, that is why i wont get a dry suit (top), plus they seem real hard to get in and out of
No one has mentioned fleece but i have learned (the heard way) ... that they become extremely heavy after a capsize, and will make getting back on a boat much harder.