I reckon for swimming the knee high costumes are the best ( in my opinion). Because they are more streamline against your body than the ones with no legs. They are elasticated at the bottom so that no water could get in our out which would slow you down.
In my opinion I think this one below is the best in the mid-range price bracket:
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As you can see it is very elasticated at the bottom. So that no water could possibly get in our or out from the bottom.
It is also tight at the top for the same reason as the bottom.
So wearing this costume or costumes like this you could probably take a couple of seconds of your personal best just by buying a better costume than your old one.
