Another link
http://fishandboat.com/anglerboater/...y02finding.pdf
that says that the water right under the ice is normally 39.2F. That to me is great news, my water temp should never be lower than that.
This pond is 17 feet deep. I have never seen more than 2 inches of ice on it and that only lasted for a few days. There is a lot of heat in 39.3F water.