Our Bi was much simpler - run first - swim 2nd. Transition would take forever for the amount of running stuff a person would have to put on for a -11 F run.
But yes I have frozen hair at least 3 days per week when I swim in the AM. I have lived here so long and done it for so long I don't even think about it. And to think when I was young my dad would never let me go out w/ wet hair except in the summer - now it can be -30 F and I go out w/ wet hair and am none worse for wear - I am only out for about 5 or 6 minutes, however (no hat BTW - that just gets your hat wet
It's about the journey and being in the moment, not about the destination