I've had my eye on the Xcel they keep posting, but I can't do it. I need to find someone who has no idea what to get me for Christmas!
I feel your pain....When I moved here from California I only had a 3/2 as well. With little money. Needless to say I didn't surf that year in the winter. If you can't afford even a used suit...maybe try borrowing one from a buddy. That's what I ended up doing until I could buy a new one.
3/2 felt great this morning in OCMD. Nice wiast - chest high waves too. wore 3 mm booties for the first time this fall. As long as air temps stay in the 50-60 range i'll be in the 3/2 with neoprene vest for another few weeks.