Well said A-Jay. Practicing getting back into your boat after falling in, like Tom mentioned, is even more important for a kayaker. Next year will be my 10th year fishing from a kayak, so I'm far from being an expert. However, kayak reentry was the very first skill I practiced after buying my first kayak and if you haven't practiced this skill, you're behind the power curve. I have also had a couple of unplanned swimming trips while in a kayak, so I know what it's like to be cold and wet. I also qualify for the senior citizen discount and as a rule I don't like cold water, bones just can't handle it like they use to. That being said, I AM NOT going to miss out on early fall, or more importantly, pre-spawn fishing action from the kayak. The kayaking industry has spent many hours and dollars in developing cold/wet gear for the kayaker, YoTone, so do your homework and seek out those with experience in this area. I consider NRS and Kokatat to be the industry standard when it comes to kayak clothing/gear, so you may want to start there. If there is a kayak specific retailer close by, give them a visit and see if they carry this clothing so you can get a "hands on" of what they offer. More importantly, be safe.