Swim in your pants and grease yourself up in lard
This is by far my favourite suggestion.
1. I am Scottish so cook everything in Lard so have it already
2. I am Scottish so hate spending money!
Most of the triathlons I will be doing this season will be indoor swims but I intend to do a couple of longer ones at least as I get better and fitter.
Maybe I will wait and ask family to get me a half decent one for my birthday. My Ironman cousin has offered to lend me her old one. Do girl ones have room for willys?
In Scotland, even in July, there won't need to be too much room sadly.