That makes a lot of sense. I'm guilty of underdressing in those situations. When the temp is 75 in the afternoon and can drop to 40 at night I admit that I will go on a day hike dressed for the 75 degree weather but not the 40 and certainly not the 'just fell in lake, spranged my angle and now I'm spending the night wet in 40 degree weather with wet clothing designed for 75 degrees'. Yes Yes, I am certainly guilty of that. Not because I don't know better but rather because I insist on travelling as light as possible 99% of the time. Before you guys start yelling at me... I do carry redundant, waterproof firemaking devices which I am quite skilled at using and I have equal skill in building shelter. I know I know... when I'm freezing and my hands are shaking it's not so easy (and yes I am usually alone out there) but I suppose thats a chance I take.