Ive got about the same amount of gear as you.The helmet is great to keep your head warm in winter.

Years ago before I started wearing a buoyancy vest I also wore a wetsuit vest over my steamer & socks in my booties in midwinter..

daggy as ..but id still gasp from the cold when I fell in..thats in Lake Macquarie early Spring B cold! 14degrees?..?
Still maybe Im a whimp as Vic & Tassie would be worse!