When summer ends and the fall festivals tick past each weekend, surfers eventually have to face a certain reality. First there’s a little chill as the air drops. The ocean is slower to cool, but eventually a chilly morning or breezy afternoon means it’s time for some rubber. Initially, it’s just a top, perhaps a long-sleeve spring or a short-sleeve full suit. It’s probably warm enough for just boardies or a bikini, but a little more comfortable insulated in neoprene.