Shipwreck survival

[Vynticator]

Originally Posted by Rocket Man

Since they're cold, wet and naked, make sure to keep the "Cold" section of Basic Set: Campaigns handy until either the temperature improves or the PCs improvise heat or shelter. (B430, and the penalties will be steep: -5 to the HT roll for no clothing in freezing weather and another -5 for wet "clothes.")

Would you really apply *both* penalties here? Skin can be dried fairly easily if you have *no* clothing, no?