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.

Yes in my PFD, but not wearing it like I'm paddling.  Turn it upside-down and wear it like shorts.  Then you can float around while sitting down.  It keeps you about shoulder level with the water.  

Toss around a ball.  Nerf floats & is light.  Just don't bring the howler versions.
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Swimming is a great way to pass the time.  Very theraputic.  Allows the spine to relax and unravel.  Cools the body.  Cleans the grime off.

I'm not a jumper, but could be if the peer-pressure is right.  Not a fan of heights.

I also go swimming when I'm messing around in the canoe.  Heel it over, push the limits, try some new strokes, practice rescue.

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You're missing some of the best tripping.  Open forests.  Quiet solitude.  The smell of fresh growth & decay.  The colours of autumn.  The fishing, oh the fishing!  Imagine a portage without sweat.  No bugs.