When I was sailing down the Ca. coast in winter. I was all bundled up in my foulies, boots, gloves, and a hat. I had on long underwear, and a jacket under my foulie jacket. The hood
over my ball cap, and it was raining. I kept feeling water
on my butt cheeks, COLD water. I would go below, and dig around trying to stop the leak. After 4-5 times of going below trying to stop the leak. I realized when sitting down my long underwear would open up un the back. What I was feeling were the cold foulies on my skin.