If you are dressed for the water temp, are you automatically dressed
for the air temp?

People die up here in Colorado every year from hypothermia, without
ever getting in the water. All they need to do is get a little wet from
rain or even sweat, and at 50F they can become hypothermic. Wind chill
is important and especially if you are wet, and setting still in a
kayak, unable to exercise enough to stay warm. Combine that with the
possibility of having become tired, hungry, and seriously chilled if
you did take a swim, recovery air temp could be real important! TnT