...okay, there's two scenarios here...

If I'm feeling lazy, the weather's threatening, I only have limited time; then, it's a T-shirt (colored/pocket), my fishing shorts with the netted interior that chafes, nylon beach shoes, lanyard or waist pouch and lots of fun was had by all. At my "go-to" lake you can wade, at the other you can walk the edges.

If the weather's good, plenty of time, energetic....hook up the jon boat with the aforementioned attire and off I go for several hours.

I fully subscribe to the addage, ....a bad day on the water....blah, blah, blah.