But I've jumped in glacial lakes before (not on the regular) and it would become life threatening for me very quickly. It's quite scary.
Also, general recommendation is to start from cold showers daily for 2 years and be under 50 years old. Then proceed slowly from there.
The whole thing does things with your body. Also, going to cold water after sauna is something completely different then cold swimming without being completely overheated prior. Hypothermia is an actual real thing that exists and so are heart problems. When you are exposing yourself to cold water untrained, the threshold is not that high for these to occur.
The age plays a role in terms of more likely heart problems. Not sure how about the adaptation, how it is affected by age. Muscles matter.
Young males end in ambulances too. The emphasis on old ladies here us because frankly old ladies are supposed to be least capable species. I know they can be tough.
But daily freezing water swim without prior training is bad idea. The processes in your body are supposed to run changed for multiple days and if you do it daily it is not getting recovery. Just like with weight lifting every day, beginners risk injury for doing so.
I'm sure SOMEONE'S done it before though. :)