It goes without saying that if you are not a strong swimmer that you should wear it at all times and even if you are, remember that in the winter months hyperthermia will set in quickly if you wind up in the water. Clothing Wet and light are the general rule of thumb for clothing. I expect to get wet so in the warmer months I wear a swim suit and t-shirt. In the winter months I may wear pretty much the same thing but will add a light-weight fleece pullover. On really cold days I will wear sweat pants and a light-weight rain suit on top of everything.
Hats are essential in the Florida sun but be sure to wear one with a chin strap.
Footwear is an important consideration. You have to think about getting to you put-in and getting out as well as the journey itself. You'll want something that you can get wet too. If you are planning to do any hiking at your destination you will want to bring along a pair of walking shoes or buy some aqua shoes with good soles. Gloves might be a good idea if your hands are susceptible to blistering.