UPDATE: I dove last Thursday in Lima Ohio. Surface temp was 55 and water temp was 48. I wore 7mm wet suit and gloves and a 5mm hood with my beenie hood under it. I was warm except for a thin line at my forhead. My dive buddy called the dive at 10 min because he did not have a thick enough hood..but I was fine and could have continued. We are gonna go again next week after I get a 7mm hood (and give him his 5mm back...lol) and I know we will last longer. Thanks for all the advice, and now I know what I can handle!! :0) Julie