I think it's something to think about and plan for, but not to worry excessively about. Except when you are planning to go swimming, most folks that fall overboard ARE fully clothed. In cold water, the clothing can actually help to keep you a bit warmer. On smaller boats, if you are sailing in EXTREME cold water temps, you should be wearing an exposure suit.
Late spring/early summer water temps in New England are pretty darn chilly, but you could last long enough to be recovered by a competent crew -- if you're wearing a PFD. If you are solo sailing, you'd better make darn sure you don't go over. That means wearing a harness and clipping in.
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Pacific Seacraft Crealock 31 #62
NEVER CALLS CRUISINGDAD BACK....CAN"T TAKE THE ACCENT