Take a strole through the photo galleries of years past, they are all there. This will give you an idea of what people are and are not wearing, and yes people have been known to go swimming because it was getting hot! If you can handle Tradewinds you can handle SF... except for Timbo he appears to be a bit more delicate than most.

Of all the years we've attend SF my wife has worn a dry suit once (07)

http://www.twinhulls.com/