I wear my stocking-foot breathables with silk pants under 200-weight polar fleece in PA during the colder months of the year (i.e. the first few weeks after the majority of the ice is gone), and am always comfortable. I wear a couple of pairs of good wool hiking socks to keep my feet warm; they stay dry presumably as a factor of the wicking.
I was once interested in a pair of neoprenes for cold water, but I honestly don't think I need them. I may spring for a new pair of boots next year, as the Hodgman's I have aren't the most comfortable.