When do you guys start wearing dry suits? I read a Kayak hand book and they said 65*. Water here on the south shore of Long Island will be there shortly. Now it is about 67*

What is a good dry suit, gloves, under garments & head gear? I will be fairly close to shore in bay areas for the winter may be 800 feet off land at most. I was looking at Kokatat at my local dealer. Is their number of layer or other differences in suits? Also that handy front zipper or any other advantaged?

thanks