I've never needed a fall wetsuit. Have always taken the docks out or still wakeboarded till early November after that the air is just simply too cold when you get out. Spring is entirely a different story, full wet suit and still freezing at ice out. We usually take that first plunge and run and dive in to see how your body does grip it self into survival mode. Just guessing, but I would say 3-5 minutes and you're in serious trouble.
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