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It depends on your body and acclimation. I had a friend who was an excellent swimmer who died after being stranded in Lake Michigan when it was 45F. I was at a 1 and 2 mile race once where the water temperature was 68F, and it was early season so people had only acclimated with warm pool swimming. Out of 500 or so people, 3 women without wetsuits became ...

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