What's wrong with paddling in shorts or a bathing suit? I guess you're paddling in colder waters than we are. We mainly paddle in MS- favorite local river is the Okatoma. No bears, no gators there (Closer to N.O. yes but they're not really an issue. They do make you a bit more careful about not turning over though!). Snakes are an issue though, mainly water moccasins. Drunks on the river (or on the road home) are probably the biggest threat (well, some of my paddling partners have tried to drown me but that's another story!).
If its too cold to paddle where you are get in the truck and head south. I did black creek in the dead of winter once in a jogging jacket...