Yep, a man's gotta know his limitations, and also that of his gear. Waterproof fleece or a wool blanket ain't gonna do a thing for you if you are immersed in water with ice floating in it. Once you go hypothermic, it will take a dramatic effect to turn your condition around, and not even a darned good sleeping bag will be enough. You're gonna need an external heat source in order to recover.

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The ultimate result of shielding men from the effects of folly is to fill the world with fools.
-- Herbert Spencer, English Philosopher (1820-1903)