I'm gonna strongly disagree with this.
We are talking cold water (paddler is possibly already freezing cold from an all day hunt), low light or complete darkness, paddling solo (so you won't have the eyes of a bow paddler to look for submerged stuff). Paddling in the dark when there is little or no current can be very sketchy. Current reveals hazards just under the surface. Flat water/no current hides hazards. Hitting a submerged stump or rock can flip a boat quickly.
I was a member of a paddle club for years. I've seen skilled, experienced paddlers flip boats because of making one wrong move at just the wrong time. It's happened to my wife and I, leading to the "How did THAT possibly happen" moment of confusion.
Packing a dry bag 1 time, and clipping it to the boat each time you paddle under cold water, low light conditions, is not a hassle.
@Blacksmith has only fallen out once in 50 years...it only takes one time in just the wrong conditions, to be life threatening.
We preach tree safety on this site constantly. Double bridges, back ups, no mechanical ascenders, gear inspection, etc, etc, etc,......
But we are nonchalant about paddling solo at night in cold water??