V.M.
If it was just a question of being cold. then sitting her on the edge with a towel around her shoulders should have made her ok. And if she was having fun kicking her feet in the water while you were holding her then it was probably ljust the cold. How long did you wait for her to get used to it??
I wonder more if maybe she was getting sick and was just feeling off.
i think if you are patient with her and pick a place with warmer water she should be fine, but i do sort of agree iwth hubby that you don't want to wait a month to take her back because that negative experience will take on more weight in her mind.