I was fishing the Clearwater in Idaho in January about 12 years ago. It was about 15 degrees with the water temp about 36. I decided to climb out on a rock about ten feet above a deep pool when you guessed it, I did a half flip into the 36 degree water. I had to swim 30 yards with rod in hand to get past the rock face. When I got back to my truck it took a full hour to warm up and I had to make the hour and a half drive home naked. I must have looked real cute driving naked in the middle of January.