I think there's always some merit to the minimalist approach. That's at the root of kayaking.
I say just wear at least the minimal protection that's expected (helmet and PFD) right now, and enjoy it while it lasts.
Before long, you'll be crazy not to boat with a Floatection™
Anti-Ballistic Bullet-Resistent Suit and Helmet (with alumina
visor), flair gun, waterproof pocket-chainsaw
, grapple gun
and emergency scuba air supply
. You will scarcely be able to leave the house without your $150,000 of gear, because if you do, you won't find a shuttle-buddy, and you'll be belittled by all the other boaters for being a danger to yourself and others.