A number of years ago, my cousin Paul Chamberlain and I hiked along the Carp River to Lake Superior. We found that the river was frigid. It made Lake Superior feel warm.
For those not initiated in our Great Lakes, just let me say that Lake Superior is said to come in two temperatures -- the temperature of liquid ice, and the temperature of solid ice.
(To be fair, some of the bays along the north coast of Michigan's Upper Peninsula are plenty warm for swimming.)
I had assumed that the lake was every bit as cold, but I was later told that Lake Of the Clouds is warm enough to be swimmable. When we hiked down there just recently, I found that to be true.
According to the map, the Carp River goes underground for a space. That would explain why the river is so cold.