Well I am an avid wakeboarder and went Nov 2 last year in a high end O'neil wet suit ... my hands and feet were numb after 20 minutes. Water temp was 48 degrees. So, my recommendation is wait for 50 degrees and you still NEED a wet suit if you plan on swimming longer than 15 minutes. Even at this temperature you have to worry about the initial shock and diaphragm tightening which could lead to hyperventilation. Get a suit and you'll be fine !!
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