Drysuits
Cold water doesn't care how brave you are.
Dress for the swim
You paddle in the water, not on it. If you'd be cold swimming in it, you need a drysuit or a good wetsuit.
The layers
base merino or synthetic mid fleece, more in cold water outer drysuit, sealed at wrists/neck feet booties, never cotton
The rule
Cold shock kills faster than rapids. Dress for immersion, and the river stops being a threat and becomes a ride.