I would not go canoeing at a time of the year when the weather was not warm enough for swimming.  Sometimes the water seems a little cold at first but once you are in it feels fine.  We always skinny dip, we don’t bring swimsuits, if I am in the wilderness, I’m not packing in a swimsuit and I’m not going to deal with a wet suit.  We start the day with a dip, the very first thing in the morning and we usually swim several more times during the day.

While paddling, I have seen small groups of campers, sunning on the rocks after skinny dipping and we just ignore them and they ignore us, no waving or acknowledgment, no big deal.

I have jumped from 10-15 feet into the lake (in the past), but the rules now is, never, ever, jump like that, because even with clear water there could be a rock that is closer than it looks.  Not my rule, I’d rather take a small risk, but, I go along with the others and their concerns about safety.