And he is wrong to even ask. That puts you at a giant risk in a number of ways, above and beyond how bad you would feel if something went south. I am sure your friend lacks the clothing for this water temp, and based on your description I can't see how he could handle any current in the Cappela without taking a swim.
To some degree, your friend is ignoring your own expertise in this area. If he had asked to go out with you to learn more about kayaking and the only issue was water temps it would be one thing. But asking to borrow and drive away with a few thousand dollars worth of equipment that he can't use well (and did he happen to mention if he is set up to transport a 16 plus ft boat safely?)... I'd question his respect for what you have put in time learning.
He may not be aware of this - maybe he is a type A personality who figures everything is equally easy. But you need to bring him back to ground.
EZ Launch™ Kayak & Canoe
Canoe/Kayak Storage Racks
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