I've always recommended to my crew for day sailing / racing in most parts of Australia, your basic Burke gear (CB10? coastal stuff?) is fine, and very affordable. Layer it up as needed. A few layers of thermals are cheap & very effective.
Burke also do higher level stuff, and your Musto / HL / Gill / etc do superb gear, It does cost, but you will know the difference.
But if on a budget like most sailors, and with 98% of people tackling fairly modest voyages, go the budget gear

Poods