That is my approach. If I am going fishing in my SIK when it is cold, I do use a skirt but it is a nylon touring type, not a whitewater skirt. If I go over and roll up, I will still have a little water inside. But it will keep paddle drips and most splashes out of the boat. If I am going to venture more than a few feet from shore, then I do dress for full immersion just in case. But mostly I will restrict cold trips to shallow and/or near shore places and carry extra clothes in a dry bag.
Wall Mount Boat Racks
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