to quickly grab a splash jacket and put it on over a PFD in a sudden downpour. I would rather watch the weather and put it on under the PFD before it rains. It is warmer having fewer air gaps close to the body and doesn't obstruct the things on the PFD such as whistle, beacon, or knife. As additional logic, I paddle high altitude lakes for fishing and storms up there get quite windy and cold.
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