The water was exceptionally cold, averaging around 28°F (-2°C) when the Titanic sank. These freezing temperatures greatly affected the passengers and crew in the shipwreck, as hypothermia quickly set in for those exposed to the water.
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Had the Titanic sank in warm water, most of those in the water would have survived. Almost all had life jackets on, and the lifeboat passengers were rescued only a couple of hours after the ship sank. Passengers of sunken cruise ships can't survive indefinitely though unless the water is tropical.