HOW IT'S PROVEN
Imagine it's 5am and you are headed out for a row. You step outside and there is a slight chill in the air, but you brush it off. You make it down to the boathouse, step out on the dock and the wind is blowing harder making that chill a little unbearable. You think "Man, it is cold down here!" Then, you remember you packed your splash jacket- the Rio-Lite. You throw it on and you are good to go!
Moral of the story: always pack your Rio-Lite.