I Fly as well all the time over the water and I really enjoy doing this.
I did personally use the Wetsuit + Rescue Jacket, I did the range test with the setup and found I can go pretty far with it.
Any accessory you use in a drone will affect the performance of the drone but is not a big deal for me since still performed well for what I want and the mental peace I have that I can recover my drone if something happened over the water is priceless. Even if the drone land upside down for any reason I still can recover the drone and claim my refresh kit.
If you do racing with the drone, well, do not use the rescue jacket because will kill about 3mph in top speed for the drag. If not is the best tool to keep the drone safe over the water and improve visibility.
This is my opinion.