Cold Water Gear - HELP!

Hi guys,
I am injured and plan to head out again in late September/early October here in NYC. I was told that the water is typically low 60s around this time. I have a shortie and separate L/S top/capris for Summer, I have a full 3/2mm as well. Even the full 3/2mm is okay for me and not too hot in 75 degree water.
I was thinking a 5/4mm for October weather even though some say a 4/3mm. Even Xcel's temperature charts say 4/3mm in water that's 50-60 degrees. Is the difference really that big? I'd love to have the option to go out in December as well (possibly, if I'm nuts) and not have to buy yet another suit.
I'm also looking at booties (5mm split toe) and gloves (3mm 5 fingers). For the 5/4mm wetsuit I was thinking of this one that is hooded with a front zip (I heard less flushing).
This is what I'm considering... it's a bit expensive I think for $367 total - or is this typical? My 3/2mm full suit was $130:
https://www.xcelwetsuits.com/shop/product/surf/womens-infiniti-tdc-hooded-54?color=BLX&size=6
https://www.xcelwetsuits.com/shop/product/surf/youth-womens-infiniti-split-toe-3mm?color=BGR&size=6
https://www.xcelwetsuits.com/shop/product/surf/5mm-drylock-5-finger?color=BLK&size=XXS
Any feedback is greatly appreciated!
I am injured and plan to head out again in late September/early October here in NYC. I was told that the water is typically low 60s around this time. I have a shortie and separate L/S top/capris for Summer, I have a full 3/2mm as well. Even the full 3/2mm is okay for me and not too hot in 75 degree water.
I was thinking a 5/4mm for October weather even though some say a 4/3mm. Even Xcel's temperature charts say 4/3mm in water that's 50-60 degrees. Is the difference really that big? I'd love to have the option to go out in December as well (possibly, if I'm nuts) and not have to buy yet another suit.
I'm also looking at booties (5mm split toe) and gloves (3mm 5 fingers). For the 5/4mm wetsuit I was thinking of this one that is hooded with a front zip (I heard less flushing).
This is what I'm considering... it's a bit expensive I think for $367 total - or is this typical? My 3/2mm full suit was $130:
https://www.xcelwetsuits.com/shop/product/surf/womens-infiniti-tdc-hooded-54?color=BLX&size=6
https://www.xcelwetsuits.com/shop/product/surf/youth-womens-infiniti-split-toe-3mm?color=BGR&size=6
https://www.xcelwetsuits.com/shop/product/surf/5mm-drylock-5-finger?color=BLK&size=XXS
Any feedback is greatly appreciated!