If you intend to surf for a while invest in a wetsuit. These are essentially body-suits made of neoprene that zip-up, the usually are cut short on the arms and legs. Sometime a wetsuit will have detachable arms and legs. They can be thinner or thicker depending on how much cold you can take. Your wetsuit should be tight, but not too tight. A wetsuit works be trapping a layer a water between the suit and the skin and uses the surfer's body heat to warm this layer.
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