Brenda, It was good to paddle with you yesterday and to relax with ice cream afterward. Here is the progression of my paddling wardrobe and my thoughts. 1st purchase was a Farmer John wetsuit (it was on sale), paddling gloves, paddling socks and boots and a dry-top. I wore an old long-sleeved running shirt under the wetsuit. That served me well for the first and subsequent 4 springs and in the summer I moved into old running shorts with running t-shirts. And I wear a one-piece bathing suit under everything. I recycled my old suits from when I used to swim laps. 2nd purchase was off of Craigslist was a pair of hydroskin shorts a paddling jacket and a kayak cart (all for a ridiculous price). And I wore those in the summer for about 4 years 3rd purchase ~ rash guards! I started with one short-sleeved and one long-sleeved. Wore those for about 3 years and then started adding to the collection. 4th purchase ~ replacement hydroskin shorts (just this year) & a replacement paddling jacket from our gear swap in the fall 5th purchase ~ drum roll please ~ a dry suit! I have various weights of silk and wool long underwear that I wear under it, over the consistent bathing suit... Last purchase ~ a cag (used) Thoughts: buy Kokatat or NRS rashguards The in-expensive ones don't hold up well and on the short-sleeved ones the sleeves are too short causing chafing with the PFD Yes, a dry suit off the bat would have been lovely but I wasn't in the position to make that purchase. Troll Craigslist and other kayak clubs 9and of course ours) classified ads, great deals can be had .I am happy with my dry-top and glad I have one. If I can be of help further give me a call or PM me. Take care,