Wear the pfd year round in the kayak, too many morons in boats that do not respect your space. You also have to have a whistle and a light if you are out before or after sunrise/sunset, if you don't go with a buddy let someone know your plans just in case.
Wear layers of course and don't use cotton as a base layer it will not insulate once wet. This time of year I have a good splash jacket, waterproof paddling gloves and breathable waders on. There will be arguments for and against the breathable waders versus neoprene, I like the breathable so I can wear normal clothes under them instead of shorts to keep from being too hot.
_________________________
Bert"Ipsa scientia potestas est"-Knowledge in itself is power - Sir Francis Bacon
"Beware the lolipop of mediocrity, one lick and you could suck forever" - unknown author