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I've snorkeled lots in the tropics, but plan my first tropical dives in Panama. What is a Rash Guard for? Do you wear a top and also bottom to protect the legs? Who out there dives with just T shirt and trunks? Other than mistakingly bumping fire coral, etc., what's in the water you need protection from that's not at the surface when snorkeling? Jellies usually are closer to the surface, no?
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