Where I paddle it's warm so I generally wear a bathing suit and wicking shirt about 10 months out of the year and have a rain poncho in my ditch bag because it rains alot too.
Generally you want to avoid cotton because when it gets wet it's heavy and not very comfortable and it stays wet a couple days.
Tell us where and what you paddle and you can get 50 lists of what you need to carry.
The Kayak Wing
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