Seems like some really good quality thermal underwear would work better under those layers you're already wearing.Wetsuit would be too restricting and won't breath at all.Have you ever worn one?They're tight and you can't bend as well,kinda springy and stiff.Don't get crap thermals at K Mart or Wallmart or something.Go to a ski or snowboard shop. O that's right,you're in Florida,may not be too many ski shops,just surf shops,hence the wetsuit idea.Try LL Bean,Cabella's,Bass Pro or someplace like that, that sells real good outdoor hunting and camping gear.You'll stay warm but still breath.My 2 cents worth