I hear the Mystic suits are kick @$$. I personally am fine in the $40.00 3/2 I bought used at a dive shop in the Keys with a top underneath in most conditions. I probably need to upgrade to a nicer 4/3 but just don't really get out all that much on the SUPER cold days. The frozen fingers and face just really isn't worth it to me. But when I do go out on those cold days I make sure to bring along my hoodie top and neoprene gloves just like the others have said on here.
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