I lived in Hawaii for 3 1/2 years. I never thought the water was cold. But it may have felt that way to a 65 year old.
The guy who took the video said he felt weighted down because of his heavy clothing and his steel toed work shoes, so the captain gave him a flotation seat cushion too. I don't know why he didn't take off his shoes? But if Loretta Fuddy looked like she was in distress, seems like he or someone else would have offered her a seat cushion.
I imagine even someone 65 would have enjoyed swimming the waters of Hawaii and would be used to the water temp. I lived there a year myself a long time ago and do not recall the waters being cold. Interesting that no one mentioned the water being cold that day. I wonder what the temperature was.
It doesn't make sense to me how calm everyone was and then she just dies.