These Inverted summersuits are the answer to all of your questions.

This is the only place I can now find anything on the Inverted summersuits.

http://wetsuitwarehouse.com.au/gear/product/Inverted_Summersuit_Diving_Neoprene_Wetsuit_Watersport

Unfortunately they are only selling size medium. but for less than $30

3 seasons ago I purchased an XL sized suit for $40 online.
I noted the RRP on the site above is quoted as $119

Upside is that you only have to sunscreen hands, feet & face.

The only downside is that it is probably best to wear boardies as well
(No need to open the boardies over wetsuit debate....its been done to death ).
There is a breathable lycra "gusset" in the lower groin, good for cooling but not a good look, especially with a seat harness

Fossil

Try some of the sailing gear.

http://www.zhik.com/ProductDetails.aspx?category=1&element=62&PKID=3348&CategoryID=254

Might have to cut the foot straps out of it as they are designed to wear with booties.

If anyonein WA is keen for summer give me a call at Boating Hardware
ask for Ben, 9337 9900

Cheers