Suggestion:  first read the document on hypothermia from Princeton "Outdoor Action Guide to Hypothermia and Cold Weather Injuries", followed by Atlantic Kayak Tours "How to Dress for Kayaking" and/or Wayne Horodowich's article in Paddling.net "My Immersion Ensemble" followed by a look at the REI "Clothing for Cold Water Paddling" or Rutabaga's "Dressing for Cold Water" and a trip to your local shop to see what options are available that fit you, your paddling environment, and your budget.