This reminds me of the time my daughter and I hired a guide for a day float on the Snake. He had recommended we not wear waders for the trip. I asked if he really expected the weather warm enough that we wouldn't want them. He said it wasn't the weather... he was more concerned about our safety if we fell out of the boat. I asked him if people falling out of his boat was a common occurrence. (This was also the same guide that advocated not crimping his hooks.) He must guide lots of first-timers! By his same logic maybe we should al be wearing protective clothing when we ride in a car in case we fall out.
I hope that I never ever wear my pants like this. I'm 87 and still wear my pants at my waist.