[Paddlewise] cold water for warm water paddler?

I recently purchased a used K-Light and I'm ready to travel. I will be going
to wild and exotic places like Newark and Pensauken NJ on business and
wondered if anyone has suggestions for clothing. 

My usual paddle gear consists of a T-shirt, Bathing suit and occasionally,
water socks. 

What is the most cost effective, packable cold water gear? A wet suit is not
an option: too bulky.

Thanks!
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