Thanks for the comments and suggestions.

What we actually did was to spread out and paddle like hell for 15 minutes
to a point where there was land. This did in fact warm up the sit on top
paddler who was without rain grear. When we reached land there was a couple
there who had started a small fire under a Plametto tree. We huddled there
in fear and trembling until the thunder and lightning passed and then
paddled on to the take out in the rain (pleasant for me with my spray skirt,
paddling jacket, and Gore Tex hat).

We all had dry clothes, but they were useless in the downpour. No one
brought extra rain gear. I have a space blanket, but it was underneath my
sleeping pad in the tent. Before I go out again I'm going to pick one up
for the boat.

Thanks again. I found your comments interesting and informative.

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