I wouldn't worry too much about water temp. There are very few places in North America that get colder than where I am. I am anticipating no problems with regards to my pudelpointer going in the water. Yes, labs are well known to being able to deal with cold water, but they are not the only dogs that can do it. With the breeds that have been thrown on the table so far, I don't think you will have any problem whatsoever with water temp.

Cheers,