Hi, and welcome! Not a marine guy myself, but even this time of year the Lake can be pretty cold (and lonely if you are far from shore). Not sure how much time a wetsuit will buy you, but one thing I've learned on these forums is that you need to 1) be prepared and 2) overestimate your needs by at least a factor of 3 <img src="/images/graemlins/laugh.gif" alt="" />

I've often wondered what sort of suit the guys fishing in Alaska wear, because they are always moving and exerting and even in freezing cold, you can get hot in a suit like that. But it has to be able to keep you from going hypothermic instantly in the freezing water and would have to keep you afloat (face up).

Anyway, make sure you are properly equipped, bring a raft whether you like them or not, stock it with survival gear and carry a PLB. After watching a few marine survival shows, I gotta say, I'd rather be caught naked in the woods than floating at sea without much in the way of gear.
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Experience is a hard teacher because she gives the test first, the lesson afterwards.