Thank you for waiting. There can be no standard numbers given in answer to your question because so many variables come into play. I can give you the general effects of water temperature and clothing on drowning. Cold water is slightly more dense than warm water. Objects (or humans) float when their density is less than or equal to that of the water. In theory, the colder water's higher density should make it easier to float, and enable a longer float time. In reality, the difference would be measures in tenth of seconds. It is insignificant. Other factors include the person's body fat content (fat people are less dense than muscular ones), how much struggling occurs, whether the dive reflex occurs, the person's overall health, etc.
As for clothing, heavy shoes or boots would of course tend to weigh the victim down. Other types of clothing can trap air near the body, at least for a little while, and that would increase the float time.
When someone dies in a cold water accident, it cna be from hypothermia or from drowning. Sometimes the shock of the cold water is so great, the person instantly suffers cardiac arrest and death. Shock itself can cause death in a few minutes, even in a person who stays afloat. Panic and struggling causes faster sinking. In some people, especially children, the dive reflex activates. The first reaction is to gasp for a deep breath. If that breath comes after they are in the water, the lungs will fill with water. If the dive reflex works tech way it si supposed to, it cna lead to increased survival time under water. we've all heard of children where this has happened. It can occur in adults, as well. However, the longer the person si under water, the more likely serious brain damage is to occur. You can read more about the dive reflex here:http://evolvify.com/superhuman-tricks-mammalian-diving-reflex/
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