[Paddlewise] Cold Water Gear??

I have completed the move from South Florida (Water temp 80-88) to Santa
Cruz (55) I suspect I will need more than a t-shirt and bare feet. 

I visited two of the local kayak shops yesterday asking about water wear. I
was told by one that a capaline shirt would be adequate and that their
students were taught not to stay in the water too long. The other suggested
a bib style wet suit and paddling jacket.

I haven't been wet yet, but I assumed I'd be looking for either a dry suit
or something to complement my Gore-Tex Kokatat semi dry top (which I only
wore once in mid winter).

Any suggestions from cold water paddlers?

Thanks

Bob
www.sinkthestink.com
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