I went for a swim today. First thing in the morning. In the middle of fall. In a river. A river that's fed by a glacier.
As you can imagine, it was cold. Extremely cold. And unpleasant. It was so cold and unpleasant that my ability to write long sentences has apparently been affected (as long as you ignore the current one, apparently).
As such, I'll just direct you to someone more verbose who already wrote about it : http://wanakalakeswimmers.wordpress.com/2012/04/22/matukituki-river-whats-next/
There's even a picture of me. I'm the one in the wetsuit with white stripes on the arms.