Depends on the temps of course, if it is low 30's or lower, yes, upper 30's and 40's I would say no. Remember it is always colder on the water and always check ya wind. Lots of places I know there seems to always be a wind or wind chill factor.
Saving the Poodles of America, one Alligator at a time!!
The early bird may get the worm, but the second mouse gets the cheese.
Everyone has a photographic memory; some just don't have film.