With her not wanting to get dirty, that might not be a complete problem. At least with my daughter, if something really fascinated her, no matter the danger, she would focus on that one thing. I remember her crossing a street to go after a dog she had seen. I was screaming bloody murder afraid she would be hit by a car, she totally ignored me. I garbed her by the arm and she jerked away, there is this almost zombie kind of focus. So if she saw something that caught her attention, her focus would be so strong, she might not notice the dirt at that moment.
Is it possible she was focused on the forest, got dirty and attempted to wash off the dirt with the lake water...attracting a predator?