Fall and Winter Merger, Kelly Island Fishing Access, Missoula MT

A friend who knows outdoorsy things once enlightened me that the river is very, very cold when ice forms the way you see in this photo.  Not a comforting thing to remember as I stepped - very carefully -  a few feet down the snow-sheeted boat ramp to frame this shot at Kelly Island Fishing Access.

Anybody have specifics of what the water temperature might be? The air had to be below 20 degrees F because it was only 23 degrees later in the day. (And you rightly ask, WHAT was she doing outside?)