The water is 52 to 54 degrees. If you get into the water you can be in a lot of trouble. So if you fish alone it is a good idea to wear your life jacket. You never know what may happen. When you are running your boat down the lake in 40 degree temperatures the chill factor is in the twenty's.
Frostbite is no laughing matter.
You can lose your ears, fingers, toes and nose. On those cold days bundle up and cover up all exposed areas when you are running from spot to spot. A person with a poor circulatory system can be more affected by the cold. So keep this in mind when you have friends out with you. Dress in layers 2.