Ok, talk about a learning experience.

If 40 degree mornings are forecasted with warmer water temps, then wear a fleece and an overcoat or something.

If you wear two coats, don't put your keys in the pocket of the coat that you are going to take off and stow in your trunk because it warmed up significantly while you were fishing.

I did that this morning, and I learned from my mistake. Locked my keys in my car for the second time in a week.

But wait, there's more! I learned how to open a car without paying a locksmith, and without damaging the car. Take a minute and google "How to open a car door with a coat hanger."

More details on the fishing trip.

-T