Wearit, all the time, no matter what. You never know whats going to happen.
I own a Lotus paddling jacket and couldnt be any happier. Very comfy, and doesnt chafe. If its comfy, you will wear it. I have a couple of Extrasport, but they tend to be too long and interfere with my harness. Make sure you can get to your hook. Take your harness to the paddling store and try them on. I think Hobie makes a jacket in the $80 rabge that looks like a short paddling jacket. It would be blasphemy to wear a big "H" n my NACRA though!
David Mosley