that would be a great question to post over at the NWKA forum if you want lots of replies.
I like wearing a dry suit because in addition to keeping me dry when I get in the water (which includes wading while launching), they are also the best rain protection ever. I adjust my base layers inside the suit as needed for the temperature and never wear anything over the dry suit. except of course my PFD.
Thanks Rodgerdodger, I thought that would be best considering you can change your undergarments to match the weather. I'm getting plenty of time on the water taking everyone's advice and picked up a sit in kayak with pedal drive. Thanks again for steering me through this new adventure.