If you have a dry top that is truly dry you can do it in waders and the dry top.
That being said Make damn sure your dry top is Dry. I bought a paddling top the thing is not overly comfortable at first but you get used to it and it is 100% dry. I was submerged this fall in it and I was dry underneath. Filling a set of waders can be as deadly as wearing concrete shoes out there. I would never skish in it but i look like a manatee on glue so sharks would prolly eat me any how.