NCVirginian,
My opinion is that a wader belt is very much needed for the following:
Safety - A wading belt will keep water from entering your waders if/when you fall in
Health - A wading belt will provide some, maybe not much, back support
Handy - If it is hot and you decide to roll your chest wader top down to convert them to waist highs, you can use the wader belt to hold them up.
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Warren
Warren
Fly fishing and fly tying are two things that I do, and when I am doing them, they are the only 2 things I think about. They clear my mind.