This is 1/2 real/ 1/2 not-

I almost fell in the lake 1 mile from our house, in suburbs- I was just out for a walk, hit a patch of ice, almost went off trail.

In real world I would return home very cold.

Guess what I was wondering- Is it the evaporation of the water that would make one get so cold so fast? If so, would wrapping myself in the garbage bag stop the evaporation, and help me stay warm long enough for fire?

Or would the water in the clothes conduct too much heat away anyway?