Sorry to disappoint you Sparks, but in the conditions you describe, a dry
suit is a must. A wetsuit to meet your needs would be too thick to paddle
in and insufficent once you were immersed. You may be able to find one
used at a modestly reduced rate.

Good luck,

Rick

Probably the best thing to do is wait until spring. We were going to go on a
resevoir in western Indiana. It is supposed to be 25 degrees this
weekend...god knows what the wind will be like. I want to play it safe... I
appreciate everyones enthusiastic advice...I knew I came to the right place
to ask!!

See you all in warmer weather!