One of the functions of a properly designed PFD is to hold the user’s head above water if they’re unconscious. A wet suit will not do that.

If the water/air is cold enough you need some kind of protection. It may be an unlined spray top or suit, dry suit or wet suit.

There are many types of harnesses available. All the way from diaper-style to full harnesses with bars across the front to keep from digging into your sides. One option is hook or ball style. There are many different opinions on these.

PFDs are a MUST!! Wear them at all times.