The members of my winter swimming club were pulling on cozzies, bright pink swimming caps and goggles as they assessed the challenging conditions. After all, the only rule of the winter swimming club is to get your head wet. As I reached deeper water I pulled on my swim fins and goggles and let my breathing adjust to the chill. Absurdly, I kept an eye on my fellow swimmer, who did not have swim fins on, in case he needed help. If I go out on a big day and have another stroke, will I be as lucky?