I like waders and a dry top for swimming protection. With a good wading belt, draw string top on the waders, dry top and a snug fit on the life jacket. I have swam with nothing but a wading belt on and water will leak down to your legs, but it is not a big rush. I have swam with all my gear on and just got a wet shirt. I think carrying a spare set of dry clothes to get in to and wearing a life Jacket with 22 or more pounds of floatation is much important than a wet or dry suit. I did do one swim while wade fishing in my waders with no belt, top or life jacket and I don't want to ever do that again (scary) and (stupid).