Hey TripleFire... you sound a lot like me!
I use to swim competively as a "kid" (until I was 18, I am 33 now). I averaged 18 MPH on my last tri (around 12 miles). And I get side cramps when I run!
Unfortunately, I had a side cramp when I ran in my last tri! Oh well.
Yea, I was so scared of the lake swim, so I went to an open water swim clinic (with 4 different classes). Going and doing that really calmed my fears about swimming open water in tri's.
Then, in my last tri... I just stayed on the outside and swam away from the group, but still going where I needed to. I didn't get hit or mangled... until I hit the end, and the guy who kicked me on the hand... apologized (he didn' even know he kicked a girl)! Not typical, I know!
Yea, next year my goal is to do an Olympic distance triathlon. I figured out that I am better at distances, instead of sprinting. We will see how that works out.