My kids were determined that they were going swimming on the 26th of December (grouses their mother who has done the Polar Bear Plunge for 3 years now). I kept them busy playing until 4pm and said they could go before we left. And it was a lot colder at 4pm than it was at 2:30, so only Wesley still wanted to go. He took off his pants and went far enough in to submerge his toes. Then we both ran back to the warmth of the car!