HI JULIE, I DOVE IN 44 DEGREE IN 5 MM AND I WAS FINE. I DID HAVE BODY SKIN UNDER (SHIRT ONLY) AND I WAS FINE. AS LONG AS YOU’RE NOT PLANNING ON STAYING UNDER FOR AND HOUR YOU SHOULD BE FINE. KEEP IN MIND, THAT EVERYBODY HAS A DIFFERENT BODY TEMPERATURE. WHAT MAY FEEL COMFORTABLE, MAY NOT FOR THE OTHER. GOOD LUCK, K