You mentioned you don't notice water getting in when you board, but we routinely get water in the i14t when out and about due to waves (motorboat wake especially) and paddling.
All in all, much less than any other kayak I've had, including a Necky. Probably because we do much less paddling...
If you're going to be in cold water, you should probably have a little cold water gear on just in case. I got dunked just yesterday...
True, I dived in intentionally to retrieve something that cost hundreds of dollars that went overboard by accident. But still... you get wet on small boats. (good thing it wasn't electronic
)