when you're 10 you do not know better
...
if you can afford a drysuit...get one! only for the cold though...
65 degree water you will be too warm
in the drysuit, and since they are not the most comfortable, (it is an exhausting workout getting into and especially out of a drysuit!), thats when you are happy to be trunkin or at least down to a wetsuit(my case)