I would agree with your sentiments and I hope I would do the noble thing in a similar situation. However, consider that to be effective, a wet suit must fit quite snugly and completely. One that fits you properly likely will not insulate a woman (that fat differential distribution thing again). In addition, if you are in the water and attempt to don and doff a wetsuit, I suspect that the energy expended would doom both parties. I am not sure i could even put on a wet suit while in the drink - its tricky enough when out of the water.