Cold Weather Rowing #1

I've rowed a couple times now when the temperatures were in the 40's F. I had anticipated the dressing appropriately for rowing would be fairly similar to dressing for running. Differences noted so far:

1. My hands are warmer. Duh! They're being used as part of the exercise. Also ...
2. I'm moving faster in the boat than I was on the ground. "Longer" vectors hence greater variation in relative speed depending upon the orientation of the boat direction and the wind direction.
   
3. My torso feels colder since my sweating back is pointing forward, more often into the wind.

I'm labeling this post #1 because I expect additional observations from experience and learnings from others and other resources. I've noticed that the mantra for kayaking is "dress for the water temperature" but that doesn't seem to be the case for rowing. I'm thinking this might be because most folks row for a school, which have coaches in a power boat, or a club, which have rules for accompanying chase boats as the weather chills. Not quite sure where the single scullers stand.

My observation so far is, except for getting in/out at our access ramp, I'm only wet from my own sweating. However, one goof with an oar and I could be in the drink. Brrrrr. So far, I'm staying REAL CLOSE to the shore.