I would sail. We sail Hobie 14's in Newport, RI until it gets to about 20-30 degrees F. before windchill. It is cold but well worth the fun. 2 weeks ago I had a Hobie 16 out with just a wetsuit and spray gear on, it was about 50 degrees but there was only about 8 knots of wind and it wasn't too bad out. I stayed out like 4 hours.