Shallow stream with slow moving water, I'm happy to take off my boots in any temperature if it looks like they might go under enough to get wet inside. Fast, deep, during cold weather = NOPE. I'm solo 99% of the time. Limiting risk is way up on my priorities list. How high up? Scouting for bear in the upstate meant crossing a river and sleeping on the other side. Started to rain pretty good, despite the forecast. Though I'd driven almost 5 hours to get there and hiked another 2, I turned around, hiked back, and drove home. Not going to cross a river in high water, so that was that. Should have planned to put my car on the other side even if it meant a longer hike, even though they said it wasn't going to rain.