We recently had a little discussion on our bass club message board about what happens if you go overboard in winter fishing conditions ( cold air and water). One guy brought up a good point. If you are lucky enough to make it back into your boat, you still have a good chance of hypothermia unless you have warm and dry clothes. Running 10 miles back to the truck soaking wet on a 50 degree day would probably kill you.
Anyways this discussion was enough to get me to throw an extra pair of clothes into the boat. I found that a good way to store them is in a soft sided cooler. This will keep them dry and neatly stored. I am a big boy and easily fit in a spare pair of jeans, shirt and socks into a 6 pack sized bag. Takes up very little room in a storage box, rod locker, or under the console.
Bass Boat $40,000- Tackle & Electronics $3,000 - 10 minutes in 45 degree water without PFD, Boarding device & Dry warm clothes $6,500 (funeral expenses).