Here in Douglas Co., where the N. Umpqua is my home water, wading and swimming are usually distinctions without a difference... I never go near that river without felt wading boots equipped with cleats. There are a few stretches here and there that look like a 'normal' river; i.e. an actual sand or gravel bar. But, in general it's just one wicked stretch of ledge rock, sharp outcroppings and depressions covered with green slime in the summer.
I typically wear long pants, unless I know I won't be walking on any trails (ticks man...). I like the Duluth light on the fly, or something similar in a dacron/spandex blend. Cotton pants get too heavy and take forever to dry out. Then I wear wool socks (that I run up over my pants) and a pair of neoprene booties. Gravel guards are about as necessary as polar bear repellent here. If I ever do fish sand or gravel, someday, I'd add them to the ensemble.