I've always used stocking foot chest waders.
Back in the day, I started with neoprene waders but now have breathable waders. I remember fishing lake perris in late December with the water temp a brisk 42 degrees. 5mm neoprene waders with thermal long johns, sweatpants cotton socks with wool thermal socks over them. Still not enough. We caught fish but froze doing it. Feet went numb after 10 minutes. Haven't been in water near that cold and sweats under breathable waders have been fine.
If it were me, I would get chest waders. If it rains, you just wear a light rain jacket and only your hands get wet. In rough water, your shirt will stay dry. If it's hot out, you can roll them down to your waist. The waders I got have the zipper down the front. Easy on/off and to take care of buisiness.