Mary you have some sound advice there.
However I need to object on the "Arctic conditions", this is Finland/Scandinavia, not the north pole.-

We do have a short summer and fairly cold weather, but the water temps are around 18-20c during the summer and I won't instantly die if I get wet... Especially wearing a wetsuit.

Although there are no catamarans around, there's an active boatlife here that might rescue me in case of trouble
I actually live in a populated part of the world with real people on real boats