Alsg,
like me the picture i showed before, the simple tarp is a great idea, but my dog hates it ... so like Alan, my dog suffers through all I have to. My Vizsla does not have an under coat, so when wet, if windy can get very cold. I have a rain resistant coat for him as well as a wool coat for him to sleep in if things get real cold. I have had to stop paddling and let him get into the water to cool off on real hot days when the sun is beating down on him with no wind. However, it would seem paddling in June on days that are not real windy are rare events for Jake and I.