Try to stay covered up and warm for as long as possible, including warm shoes and a hat, before the swim. If you start swimming when you're cold, you're going to stay cold.
Make sure you have thermals and windbreakers for the bike and run portion. Heat packs might be a good idea if you're really worried - at least you will have them with you for peace of mind even if you don't end up using them.
My coldest swim was in the low 50s and I managed to stay warm the entire time - granted, it was only a swim where I was able to dry off afterwards.



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