I would never wear a wetsuit if I was fishing a beach front, this is where I use waders. If I am fishing boulder fields or low jetty where I am constantly getting splashed then I wear a wetsuit. If I am fishing a high jetty like IBSP all you really need are some korkers and normal clothes imo.
You mentioned multiple times about a surf belt. Although it will help it is not guaranteed to keep you dry if you go under. There is still room for water to get down but it surely minimize the amount of water. A surf top will help for sure especially if it has neoprene cuffs