No, a wet cat isn't a happy cat. The very idea that she ended up in the creek at all, yes let at night in the 20's, makes my hair stand on end.
I, too, hope that she learned a lesson, and sticks closer to home...and away from water. The creeks by my house have been safe because of the lack of rain. But soon, probably by tomorrow, they will be full, and swiftly flowing.
Love All Life, Thank You For Posting! :)