That sounds like a posatively miserable ride. Cold, wet and you still had to ride home. A ride worthy of the sufferfest title I'd say. I'm sorry you're bruised up and I hope your cold doesn't get worse. Is your ankle better now?

I had a similar fall once. Except in my case I did not fall in cold water, did not get hurt and my girlfriend and I laughed so hard I think I might have peed my shorts. I fell into a huge mudpuddle because I miscalculated the depth. The far side of the puddle was steep enough and slippery enough that I could not get traction to climb out. I kept pedaling and nothing happened until I finally fell over onto my left side. I was perfectly coated in mud down one side of my body from head to toe. Man I wish we'd had a camera.