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. . . I think the thread starter is concerned about being IN the water.
yes, staying alive once i am in the water is my main concern. hopefully, i will not get dunked in the first place, but i have to be prepared for it. again, i will be in inland lakes most of the time. and, while it can get cold here, it is nothing like what the water must feel like in the northern or northwestern states during winter. as long as i can prevent hypothermia long enough to get back aboard and/or be rescued (god forbid), then i will be happy. and, i don't plan to be sailing when it's snowing or freezing. .... just when it's "chilly" for lack of a better term.
thanks for all the help. i think i will probably go with a good quality, full-body 5 MM wetsuit, possibly from Gill. that, combined with a good life vest to keep me afloat, should give me enough time to swim to land, be picked up by another boat, or get back on board in the unlikely event of a capsize. i think risks to my health would be greatly reduced this way.