well, i go several different routes.
late spring/early fall i use insulated carhart bibs and a float coat
once e start getting frost and the water is 60 or less, i keep my mustang suit on the boat, I got mine off ebay for $125, new in the box, still sealed in the bag.
Like the other guy said, your hands and feet may get chilled, but you'll be smokin' on the inside.
i buy the thin brown jersey gloves in bulk(harbor freight tools), and go thru several pair each trip. add a wool cap and your head will by toasty.
for my feet, ive got a pair of bass pro/ red head specials, nice lug sole, water proof and insulated like nobody bussiness. i havent got cold feet in a few years when I use these boots, plus they were only like $50.

now if only I could think of the name...
danny