Fell in 32 degree water a couple of years ago up to my neck; don't recommend it. Remember, even if you get out before you get hypothermia someone still has to get you in when you're cold and wet
(could be an expensive call to 911; cost me more than 2K for the rescue, and was lucky my wet phone didn't go out). Should have a wet suit at the minimum, and if you're not familiar with it, may not want to go at all.
