The half skirt I suggested should not be a nuisance at all when entering or exiting. The bungie stretches and you can easily pop it loose or even just climb out with it in place. These are a lot easier to attach than a full skirt that wraps completely around your torso.
The product manufacturer's page for FeelFree is confusing. The illustration on the page for the Oscar 10 shows a sit-on-top open boat but other searches show the boat as an enclosed deck rec boat. I presume that's what you have (the sit inside.)
Free Standing Boat Racks
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