I have a 7mm (one piece) with 5mm boots/hood/gloves and routinely dive low 40’s (40-45) throughout the winter months here in TN in our quarries and springs. Of course I’m used to it (or as used to it as you can get) because the water doesn’t warm up a whole lot down deep even in the summer.
I’m sure 36 will be chilly, but as others stated if you can put some warm water in your wetsuit right before you dive it will certainly help. I am too lazy to bring warm water to remote quarries with me, but did my New Years day dive at Mermet Springs, IL and they have showers onsite so I took advantage of it there.
Ultimately you’ll decide what is right for you. A lot of divers refuse to ever dive during the colder months and/or colder water. For some of the rest of us we want to be in the water as much as possible and giving up 4-6 months of diving from October to March or having to wait to travel to warm water environments just doesn’t work.
BTW, as used to diving cold water as I am, I am also budgeting for a dry suit and will probably pick one up in the next year or two. If you’re going to be doing a lot of cold water diving it will be a good investment for you.