Even though some folks find 50F water just refreshing, others will need more protection.
There is medical data showing that water as cold as 50F will cause ear problems ( look up "surfer's ear"), ear plugs tend to help a lot with that.
I agree with Celia's suggestion to have a hood. I've never met anyone who complained of being too overdressed for the wet part of paddling in sub 70F water.
Recreational Kayak Paddle
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