It's amazing how quickly things go south when you least expect it.

Most people, like rharv was saying without saying, die from exposure. Most happen in less than 3 hrs of the exposure event. Getting wet in cold weather is one of the leading causes.

You should always have one of those emergency blankets that are silver. You can get out of your wet clothes and wrap yourself in the emergency blanket and be much warmer than remaining in the wet clothes.

In deep water.... Shoes and pants off immediately. Make a life jacket out of the pants.

Rule of 3 rule of thumb

3 minutes without air.
3 hrs without shelter
3 days without water
3 weeks without food

My daughter and one of her BFs went hiking.
Wrong shoes, no raincoat/waterproof or warm clothing, and decided to go down what looked like a little side trail. Before long the trail was not a trail. They almost had a bad experience but managed to get back to the main trail. It was getting dark and cold.... They'd have been the subject of a search in not much more time.
When she told me about it, we had a serious conversation about carrying a backpack with essential supplies on any and all future hikes no matter how simple or easy she thought it was going to be.

You can find my music at:
www.herbhartley.com
Add nothing that adds nothing to the music.
You can make excuses or you can make progress but not both.

The magic you are looking for is in the work you are avoiding.