I have a picture of a group of us getting back from paddling a pretty calm river in near zero temperatures. Our boats, spray skirts,and dry suits are covered in a sheet of ice. You will get wet. The purpose of a sit inside kayak and all that equipment was to keep the water off of us. Just the couple of drips that fall on you from each paddle stroke will add up to a lot of water in a while. Sorry but a SOT is not a good idea if it is too cold to tolerate wetness.
Waders are a very bad idea. In my non paddling life I am a trout fisherman so I wear waders a lot. The biggest worry with waders and the biggest killer of river fishermen is falling in. Waders fill with water and turn into anchors. Do not wear them in a situation where you might go overboard.
If you want to use a SOT in cold water consider a dry suit which will likely cost as much as the boat. Remember in a paddle craft you need to dress for immersion. If you are on a boat enough you will eventually swim. Your life expectancy swimming in 40 degree water without protection is not very long.
2-3 Canoe/Kayak Trailer
Recreational Kayak Paddle
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