Wetsuits can be a great way to help you stay warm on those chilly or rainy days. We use farmer john type of wetsuits so you have a full range of upper body motion. Only shorts or a bathing suit should be worn under a wetsuit. For your upper body, a layer of long underwear or some synthetic shirt will help reduce chafing and help keep your torso warm. An additional layer of fleece topped off with a splash jacket will keep most people warm in cool conditions.