I think you have to think of things from a worst case scenario. You've been in the water, cold water, and your thinking is impaired and your hands are not functioning well. If you don't have immersion gear on then you need to get your wet cloths off immediately and put dry cloths on,,so you need something like a fleece top and bottom and something like a montbell down inner jacket plus an emergency blanket.You need some hot packs to warm your hands up to make them function enough to get a fire started because your own body heat may be limited at this time.You won't be able to open the buckle on the dry bag so you take your fixed blade knife from your PFD and cut it open and any other bags you have to get into. Your fire making kit has to be as fiddle free as possible,,big fat matches,,fatwood. I even carry a 6" bundle of dry cedar in the front hatch so i have good wood to start with. Your in a boat so weight is not too much of an issue so throw in a few extra survival things to make you chances better. If you have an adventure Med double blanket you can set it up in a lean-to or half pyramid with the fire in front. You have a couple of energy bars in your PFD and you eat and rest. Cellphones should be in waterproof case like a pelican case. Make the call.
On the west coast many folks, but not all, who go on multi day trips on the ocean in remote area's have VHF radios and phones that can be rented before the trip.
Paddling should be a pleasurable experience and we don't want to be thinking of the hazards all the time so make up a small pack with all the back up survival stuff in it and take it with you every time. Oh, have a tow line as well as you might have to help someone else out. A fanny pack is not enough in my world and because i paddle with a spray skirt its in the way as well. Everyone has to assess the risks for their area and act accordingly.
Have fun
be safe
bill
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