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Here is some info I copied and pasted. It looks like for 70 degree water we are all ok for a couple of hours which I don't really see any of us staying in the water that long unless we were tossed out of our boat with no one around.
http://www.boatingbasicsonline.com/cont ... w_state=KY
Cold Water Immersion and Hypothermia
Even when the weather is warm, do not forget that in many areas the water can be very, very cold. A sudden unexpected wake or other "unbalancing event" can land you in the frigid water.
Your body can cool down 25 times faster in cold water than in cold air.
What happens when you fall into cold water?
The effects of cold water on the body happen in four stages.
Stage 1 - Cold shock
A sudden, unexpected entry into cold water may cause a reflexive "gasp" (cold shock) allowing water to enter the lungs. Drowning can be almost instantaneous. When you realize you’re about to fall into the water, cover your face with your hands. Covering your mouth is an attempt to avoid gulping water into your lungs.
Stage 2 - Swimming failure effects include:
Loss of manual dexterity
Inability to match breathing rate to swimming stroke
Loss of coordination in the muscles in your arms and legs as they get cooler, increasing your swimming angle
Increased swimming angle, requiring more energy to keep your head above water
Possible drowning
Stage 3 - Hypothermia
Hypothermia is a condition that exists when the body’s temperature drops below ninety-five degrees. This can be caused by exposure to water or air. The loss of body heat results in loss of dexterity, loss of consciousness, and eventually loss of life.
If you examine the chart below you will see that survival time can be as short as 15 minutes. Water temperature, body size, amount of body fat, and movement in the water all play a part in cold-water survival. Small people cool faster than large people and children cool faster than adults.
PFDs can help you stay alive longer in cold water. You can float without using energy and PFDs cover part of your body, providing some protection from the cold water. When boating in cold water, you should consider using a flotation coat or deck-suit style PFD. They cover more of your body and provide even more protection.
Hypothermia does not only occur in extremely cold water. It can, and does, occur even in the warmer waters of Florida and the Bahamas.
Hypothermia Chart
If the Water
Temp. (F) is:
Exhaustion or
Unconsciousness
Expected Time
of Survival is:
32.5
Under 15 min.
Under 15 - 45 min.
32.5 - 40
15 - 30 min.
30 - 90 min
40 - 50
30 - 60 min.
1 - 3 hours
50 - 60
1 - 2 hours
1 - 6 hours
60 - 70
2 - 7 hours
2 - 40 hours
70 - 80
3 - 12 hours
3 - Indefinite
Over 80
Indefinite
Indefinite
Here it is in jpeg format
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Hypothermia is progressive - the body passes through several stages before an individual lapses into an unconscious state. The extent of a person’s hypothermia can be determined from the following:
1.Mild Hypothermia - the person feels cold, has violent shivering and slurred speech.
2.Medium Hypothermia - the person has a certain loss of muscle control, drowsiness, incoherence, stupor and exhaustion.
3. Severe Hypothermia - the person collapses, may be unconscious and shows signs of respiratory distress and/or cardiac arrest probably leading to death.
The foremost objective for a person in the water is getting control over breathing and getting out of the water. To accomplish this and to limit heat loss, limit body movement. Don't swim unless you can reach a nearby boat or floating object. Swimming lowers your body temperature and even good swimmers can drown in cold water.
If you can pull yourself partially out of the water - do so. The more of your body that is out of the water (on top of an over-turned boat or anything that floats), the less heat you will lose. Especially keep your head out of the water if at all possible - this will lessen heat loss and increase survival time.
Wearing a PFD in the water is a key to survival. A PFD allows you to float with a minimum of energy expended and allows you to assume the heat escape lessening position -
H. E. L. P.
This position, commonly referred to as the fetal position, permits you to float effortlessly and protect those areas most susceptible to heat loss, including the armpits, sides of the chest, groin, and the back of the knees. If you find yourself in the water with others, you should huddle as a group to help lessen heat loss.
Hypothermia requires medical treatment. If medical treatment is not immediately available, treatment can be accomplished by gradually raising the body temperature back to normal. Re-establishing body temperature can be as simple as sharing a sleeping bag or blanket with another individual, or applying warm moist towels to the individual’s neck, sides of chest and groin. Remove wet clothes as they inhibit heat retention. A warm bath could be used for mild to medium hypothermia, gradually increasing the temperature. Keep arms and legs out of the water and do not attempt to raise the body temperature too quickly.
Do not massage the victim’s arms and legs. Massage will cause the circulatory system to take cold blood from the surface into the body’s core, resulting in further temperature drop. Do not give alcohol, which causes loss of body heat, or coffee and tea which are stimulants (and cause vasodilation) and may have the same effect as massage.
Stage 4 - Post-rescue collapse
The effects on your body after you are pulled from the water can include the following:
Loss of hydrostatic pressure from the water causes a sudden drop in blood pressure. This can cause heart or brain failure.
Your heart is cold and cannot pump cold blood effectively to maintain blood pressure.
Your lungs are damaged from the water you inhaled. This can cause a pneumonia-like illness.
Fatal bleeding from injuries may occur as your body warms up and your blood flows more freely. You may have internal injuries or injuries to your head and neck that you and your rescuers are not aware of.
Up to 20 percent of all survivors die during rescue or shortly after.
Just get her little seat and park her on the swim platform for intervals so she can see mom and pops or get a float that you can set her entirely on to give her breaks. Plus, more shallow coves will probably be a little warmer as well. You will make good choices I'm sure 
