I've been hypothermic more than once, and curiously always in temps much warmer than upstate winters. I suspect it is because once things start freezing I don't make the mistake of underestimating the situation.
Anyway, 100 feet plus a run to shore or the house to get your stuff is too far tin sub-40 degree water and air temps in the 20's or worse before wind chill factors. Hypothermia can come on much faster than the time it would take to make that distance and render you unable to use your hands to help yourself.
There is a very common mistake people make when looking at the hypothermia charts - and there are many copies of it out there on sites from kayaking to power boating. They look at the time before death, rather than the significantly shorter time to where consciousness or physical processed like using your hands to get the wet clothing off are affected. In upstate NY winter temps, the time to the first part runs no longer than 15 minutes. And you, like me, could find in actual experience that you had an individually lower tolerance.
Paddler's Truck Rack
Wabakimi Canoe Pack
Overstock Outlet Foods
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