Nothing beats keeping dry (dry suite) but if you want something that keeps you warm if wet you could do worse than the new tech clothing supplied by the main vendors.

Polypro tops from Rooster + a hot top + Aquafleece can be worn individually or layered for extra warmth. Gull & Mustoe have their own versions. I actually use them as base layers under a dry suite as well as individually in warmer weather.

These are all the rage with the Topper fleets and lets face it they need all the help they can get, its a wet boat đŸ˜›