dynatec... I agree with you 100%.Assuming your are dressed properly once the temps are that low you need to do something to keep your limbs from stiffening up.

The one thing nobody addressed is thatpeople react to low temperaturesdifferently ... everybody doesn't react the same way. And the reasonsfor it can vary. Some people just have different thresholds(don't know why), some have poorer circulation to their limbs, some may have underlying injuries they are unaware of etc etc.
I have a good friend who regularly swims in mid-60* water... when it hits over 72-73* he doesn't care for it as much. If I jumped in 65* water my heart would probably stop [:-]