not sure abut new york bill, but water in delaware is about 56. It is not bad with a 3/2 on a sunny day like today. I just started putting on the 3mm boots/gloves. Almost 4/3 season down here, but not quite yet.
I had my 4/3 on today with no boots or gloves. Would wear a 3/2 but I am in need of a new one. Waiting for the sales! Boots are definitely coming soon, and gloves also. I saw a few dudes out today in full gear, but I think it's too early for that still!
I've been wearing a 5/4/3 (no hood) the last two times I've been out because I don't currently have a 4/3. On Sunday in DE I didn't wear boots and my feet were pretty icy after an hour and a half or so. I wore boots yesterday in MD and felt great.