Four feet deep ought to have ice on it. Is your lake one of the Finger Lakes where temps are indeed milder as its ?
If you can stay close to shore and dump, you will lose your finger dexterity first. That may mean that even within 80 feet, shunting of blood from your extremities to your core can lead to a loss of being able to use your fingers and feet normally.
So try to keep those warm. Remember, forget your boat. Get yourself out first.
Your specific question of 46 degrees being deadly is hard to answer. That is in some places our normal summertime paddling water temp. I have seen a person totally incapacitated in that water and require hospitalization. I cant tell you if that is a common response or not.
I dump in 33 degree water. I do wear a drysuit and I think head protection is paramount too. I wear an ugly fleece lined neoprene skull cap to prevent heat loss. Your head loses a disproportiate amount of heat.
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