+1 on separates.

I went with Sugoi tri shorts and a TYR splice top -- more of a bra, really -- under the wetsuit, and then pulled on a regular cycling jersey during T1, just to have a little more coverage.

I figure if I eventually do more tris I might invest time & money in looking for a one-piece, but in the mean time, what I have is versatile for other activities . . . and probably a bit less fuss than the one-piece during my multiple pre-race trips to the port-a-potties.