The title says it all. I live by a little lake, and the temp of the well water from the lake right now is 46 degrees (will probably warm up over the weekend, but not a huge amount). There's a bigger lake nearby, but that doesn't mean it's warmer... How cold is too cold?

I have a full suit. I am totally open to purchasing a skull cap, mittens, and booties, if necessary. I have lots of tolerance for cold, but I'm worried about my toesies, fingers, and ears, and if it's just plain too cold, my core will never warm up and I'll be miserable.

What do you fine ladies think?