1) This is just my opinion and my experience 2) If I sail a different class of boat (I often crew in a Fireball) then it is drysuit all the way unless the weather is particularly warm and the drysuit would make me too warm. 3) The lake I sail on is inland and relatively sheltered. There is always a safety boat at hand should anything happen. I know my abilities and limitations. I do agree that a capsize or a swim can happen at any time due to something unforseen (such as equipment failure). However I still maintain that once you are cempetent you can minimise the risk of capsizing and tailor your clothing suitably. As I said above I am still warm enough even after a short swim due to the work rate in the boat. If I go in too much or get too cold I go ashore, simple as. If I sailed on more open water or on the sea then I am sure my approach to clothing would be different. Perhaps I should have qualified my statement.