How cold is "cold water" to you? For me it's in the 50F degree range. However I've met a couple of divers from Florida that said they don't dive in water colder than 70F!
If you are going colder than 50F then you would need a drysuit. I haven't dove with one of those yet myself, but would love to in the future. If you do plan to dive with a drysuit I'd suggest getting some training with it, people say it's quite different than a regular ol' wetsuit.
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