I'm in Sydney and haven't had a steamer for many years, as I too hate the cold water, even with good insulation. Unfortunately I decided I was missing out on too much time on water so I relented and ordered one.
In time for this past weekend I received a Vaikobi 4/3mm FZ Steamer I ordered online and it was AWESOME!
I had at least 2 big crashes while wing-foiling and didn't even feel the water coming in. It was also really comfortable to move around in, not restrictive at all.
I'd definitely recommend them...