I have a sit in kayak and plan on paddling on lakes and slower moving rivers in NJ and PA.  So generally it's not bodies of water from snowmelt, but I would like to get on the water soon as the weather gets nicer.  So I anticipate the water still being cold.  I don't plan on getting out of the boat into water, but based on everything I have read, I think I need a wetsuit for these conditions in the spring and fall especially when the water is only 50 degrees or so.