In reply to Ridge:
5mm neoprene gloves make the world if difference in winter. Even swimming in just a cossie, having warm hands makes changing far easier.
Also as someone else had said choose your post swim clothing wisely. Skin tight thermals are a nightmare to get on over a damp body, baggy layers are the way forward and lots of them.
I swam through winter without a dryrobe, yes they are nice but I had plenty of warm layers already and couldn't justify the expense. Also whilst it is possible to change under them I personally prefer the speed approach, which with practice can be done with minimal nudity and leaves you wrapped up and drinking hot tea whilst others are still doing contortionist routines under their robes.
Oh and in the subject of tea.... an uninsulated mug doubles as a hand warmer.
I contemplated a wetsuit, but decided that the speed of changing with a cossie was worth the extra pain of the cold. Also you don't get the sudden drop of temperature from taking off the wetsuit and exposing yourself to the cold air.