Drifter makes a good point that you may be the last boat down the river. I have explored some waters where i have not seen a boat all day.
Tarder I just started carrying a dry sack for all my extra jackets etc. Rather than throwing them in the cooler behind my seat. Works well and they are fairly inexpensive.
Neon your post is the reason I decided to start this thread. Good points and advice.
It would be easy enough to put together a 72 hour bag that is stashed somewhere out of the way in the boat.