until you need it (which is usually the worse time to find out that you needed it).
Just going down to the corner store. Do I really need the seatbelt?
Going for an easy ride on the bike path. Do I really have to wear a helmet? (My jury came in on this one recently,)
Maybe this guy was just doing something stupid...
If you are looking for agreement that it's fine for you to go without immersion gear in cold water conditions, if it's calm, there are a couple of folks here who share that perspective. The prevailing sentiment (mine included), however, is that -- Yes, you would be an idiot.
Hey, you asked... ;)
YakCatcher Rod Holder
Heel and Pegpads™
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