This is funny. Was on the phone today talking to a fellow crappie.com member about this very subject. Some years back I'd put on my one piece insulated suit an be pushing a skin of ice while backing my boat in, then slip a little on the ice heading for the parking lot. Last Saturday I waited till 10:00 to put in an had all the jeans and flannel shirts I could put on and still fit in my one piece. Even then I left off the lake around 1:00 I think. Just find that comfort zone that you can live with, even then ya might wind up leaving before you'd planned. Most importantly, take a thermos of coffee. If you don't drink coffee, it'd be a good time to start.