-- Last Updated: Mar-20-13 12:26 PM EST --
you still might want a splash/rain jacket if you are paddling in conditions where you will get splashed.
Many times in cool weather it is nice to wear a splash jacket in combination with a spray skirt, (if you are a kayaker) or light weight gortex cycling pants (if you paddle a canoe).
Is it essential? - No
Shirts / Tops
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