Wetsuit for SF Bay Area

Hi Guys,
just moved from SoCal to Bay Area and I am planning to get a 4/3 so I can surf around here. I have a tendency to get cold and was planning on having a hood also.
Here is my dilemma. From what I see, the wetsuit models that offer a detachable hood (Oneill Mutant and Rip Curl insulator) are not the top of the line (maybe not even 2nd on line) from each of those brands. So I am not sure if I should get a top of the line (psychofreak, f-bomb, excel infiniti) made with warmer/better materials and get a stand-alone hood, that won't be fully integrated, allowing water to flush in, or if I get the Mutant or Insulator since once I decide to use the hood, it will seal much better.
If the water is not so cold to justify a hood, then maybe I need a regular wetsuit with the warmest qualities.
It would be great to get your opinions.
Thanks
just moved from SoCal to Bay Area and I am planning to get a 4/3 so I can surf around here. I have a tendency to get cold and was planning on having a hood also.
Here is my dilemma. From what I see, the wetsuit models that offer a detachable hood (Oneill Mutant and Rip Curl insulator) are not the top of the line (maybe not even 2nd on line) from each of those brands. So I am not sure if I should get a top of the line (psychofreak, f-bomb, excel infiniti) made with warmer/better materials and get a stand-alone hood, that won't be fully integrated, allowing water to flush in, or if I get the Mutant or Insulator since once I decide to use the hood, it will seal much better.
If the water is not so cold to justify a hood, then maybe I need a regular wetsuit with the warmest qualities.
It would be great to get your opinions.
Thanks