Because of the rain, the wind, sea spray, speed of the boat. You need hat, sunglasses and a warm clothe. Enjoy 😉
A raincoat is wise if there is any chance of rain in the bay.
Yes if you get sprayed but you should be fine
You do not need a change of clothing.
Presumably in case you get sprayed by water during a sharp turn in choppy waters. But I can't quite see how you would get mote than a little wet, and you can slways stay inside...
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