Thermal protection makes the biggest difference. A properly fitted wetsuit, drysuit, hood, and gloves can extend your comfort into much colder water. Cold increases gas consumption, reduces focus, and makes even simple tasks harder. Staying warm is not about toughness; it is about maintaining control.
If you plan to dive in cooler water, invest in the right exposure protection and learn how to use it before attempting long or deep dives. Comfort and preparation always matter more than temperature limits.