Adam Disler, left, of Chicago, Ill., and Jay Messar, right, of Milwaukee, Wis., bolt into the water during the Lakeview Polar Bear Club’s annual Polar Plunge at Oak Street Beach in Chicago, Ill., on Saturday, January 26, 2013. | Andrew A. Nelles~Sun-Times Media

Ken Davis, of Naperville, Ill., makes it back to shore during the Lakeview Polar Bear Club’s annual Polar Plunge at Oak Street Beach in Chicago, Ill., on Saturday, January 26, 2013. | Andrew A. Nelles~Sun-Times Media

Participants rush back to shore during the Lakeview Polar Bear Club’s annual Polar Plunge at Oak Street Beach in Chicago, Ill., on Saturday, January 26, 2013. | Andrew A. Nelles~Sun-Times Media

Participants exit the water during the Lakeview Polar Bear Club’s annual Polar Plunge at Oak Street Beach in Chicago, Ill., on Saturday, January 26, 2013. | Andrew A. Nelles~Sun-Times Media

Participants dive in during the Lakeview Polar Bear Club’s annual Polar Plunge at Oak Street Beach in Chicago, Ill., on Saturday, January 26, 2013. | Andrew A. Nelles~Sun-Times Media

Participants rush back to shore during the Lakeview Polar Bear Club’s annual Polar Plunge at Oak Street Beach in Chicago, Ill., on Saturday, January 26, 2013. | Andrew A. Nelles~Sun-Times Media

Participants make it back onto land during the Lakeview Polar Bear Club’s annual Polar Plunge at Oak Street Beach in Chicago, Ill., on Saturday, January 26, 2013. | Andrew A. Nelles~Sun-Times Media

Participants rush back to shore during the Lakeview Polar Bear Club’s annual Polar Plunge at Oak Street Beach in Chicago, Ill., on Saturday, January 26, 2013. | Andrew A. Nelles~Sun-Times Media

Participants rush back to shore during the Lakeview Polar Bear Club’s annual Polar Plunge at Oak Street Beach in Chicago, Ill., on Saturday, January 26, 2013. | Andrew A. Nelles~Sun-Times Media