Mrcharley - I dress as you describe (neoprene pants, thermal underwear top, light waterproof shell over that) when I am paddling flat water in those sorts of temps. Basically in conditions where capsize is unlikely and remount would be quick and easy. I also like to stay within 50 yds of shore in those conditions so I can save myself if remount were not possible. That is because i feel that kit is not going to protect much at all if I end up immersed in cold water. The pants are mostly for the discomfort of sitting in cold water and having it drip on my legs. The shell is mainly for drips and cutting the wind. If I were far from help in that situation I would also take drybag with additional layers like you do. As it is I paddle flat water in a city so I don’t take that precaution.
If I am off shore in downwind conditions in the cold I am definitely using full coverage neoprene wetsuit including booties and gloves. I have a 2mm full suit i use at the upper end of that range and a 4/3mm at the lower end. I also use a neoprene hood when it is colder.
I am not criticizing your personal choices. We all make our own decisions regarding risk tolerance. I just don’t want a beginner to get into dangerous situation.
By the way I had a friend who dressed in a light kit like we described doing cold water downwinds in lake superior. He came out of the ski one November day and despite his great skill and athleticism (skilled white water paddler, NCAA division 1 collegiate swimmer, years of downwind experience) he could not remount because the cold water was sapping his strength by the second. This was in front of the city of Duluth. He would have died that day but by freak chance, a woman on the top floor of the hospital happened to look out the window at the bay at the right moment and noticed a white surfski and a paddler floundering in the white caps. It is almost impossible to see a ski in that situation even if you are looking for it so that was amazing luck. Also lucky was that she recognized a like threatening emergency for what it was and called 911. The coast guard was then able to rescue him in time.
I unfortunately can’t count him as a friend but here is the story of when Ivan Lawler almost died doing cold water downwinding in neoprene pants.
www.gosurfski.com/post/meeting-the-monster-of-loch-ness
Be safe out there everyone. Time runs out very fast in cold water.
Current Skis: Nelo Vanquish AIR, Epic V10g4, NK 670 double, NK exrcize, Carbonology Feather, Think Jet, Knysna Sonic X
Former Skis: Epic v10g3, Kai Waa Vega, Epic V12 g2, Epic V12 g1, Epic v10 double, Nelo 550 g2, Fenn Elite S, Custom Kayaks Synergy