How about Crocs and socks? Works for me, even when kayaking in September and October. I dry my feet after launching, then put on the socks.
Crocs are awesome on the water footwear. Comfortable. No worries about getting them wet. They kick off easy in case you tak an accidental dip.
Bank fishing it’s jeans and boots for me even in 90 degree heat. One bout of poison ivy/oak was all it took. I make sure I am covered from insects and vegetation.