the smart way? stay home.....but for those of us fools who can't stand not to be on the water staying warm is a must....i dont have the underarmour but have heard its the cats meow for a bottom layer...i usually just layer up under my coveralls and good gloves are a must....motorcycle helmet keeps the head warm while running...and ive found that using the hand warmers in my boots works wonders...all of mhalls suggestions were good ones