Jim
What are your reasons for it being a bad idea? If something is wet when I take it off then I can stuff a rag that I would be caring in its place until it has dried. Other than that I can't think of anything else that would cause a problem with it. Although, there maybe something that you are thinking of that I am not. Also the main reason I thought of this was for the sweat shirt and pants, both are bulky items. Yes, they do have the same volume where they're at, but the padding is something that I'm going to have any way, so by using my sweat shirt and pants as padding I take out the volume of what ever else I would use for padding.
Brady