I absolutely hate being wet and cold. I use thermals top and bottom, a good fleecy jumper, trackpants, and either a coat or rain jacket (worn outside the waders), depending on how cold it is, or if it is a lot of dew or spray. Fingerless gloves and a good Thinsulate beanie are also good in the cold. I use waders which have an adjustable strap at the upper chest region to prevent large volumes of water entering the waders should I fall over. I haven’t used an inflatable pfd as Captain Spanner suggests, but it is a good idea.