The morning was really cold as was the later evening, I wore a Columbia jacket during some of the day but mostly just a t-shirt. The water is cold, but not as cold as I thought it was gonna be. I do plan on getting out in it through the cold as well to do some cat-fishing and some bass fishing but I need to get some waders and some neo-preme gloves first. I do recommend some type of under-armor if you get out once it starts getting really cold, even the wal-mart brand does well. I use that for hunting, putting on a set of long johns over top of the under-armor along with a light insulated jacket (no thicker than a light Columbia jacket) when I hunt in weather around 10 degrees and I stay pretty toasty the entire time I am out there.