Well since the first one actually got comments, this idea ended up showing up somewhat fully formed. Hopefully it measures up.
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Driving up slowly in her little hatchback, Candace turned the corner behind the local ice rink and saw the mist hanging low in the headlights. With a Yesss!, she pumped her fists as she quickly ran out of the car with the cool that she had on the passenger seat and ran to the pile. A thrill went up her as she started to grab the snow after breaking through the crust, her hands going numb in the fine ice shavings and started to fill the cooler to capacity. Grunting with the effort she threw it into the passenger seat, turned up her music and floored the accelerator as if she had just completed a heist. Her heart was pounding in her ears as she drove back to the cabin she was staying in as part of her summer job.

Stopping the car she paused to breathe for a minute before turning off the car and going around to the passenger door. Putting the cooler on the ground as she locked the car, Candace lugged the cooler inside. Once through the door she didnt waste a second racing to the bathroom and putting the cooler on the bfloor next to the tub. Smiling she turned and ran down the short hall to her room to get changed. With her roommate out sleeping in one of the guys places she had the night to herself. Since the stream she was looking for her next thrill. The cold of the stream, the slippery, hard rocks, the bit of mud, it was like a dream but there was enough physical evidence for her to know it actually happened.

Stripping out of her work polo and khaki cargo shorts she continued to pull of her panties and got out of her sports bra. Going into the drawer she grabbed an old pair of torn, faded and paint stained overalls and slid them on, noticing that the air felt extra cool between her legsshe was getting moist with anticipation.

Walking back in, the denim rough against her nipples and between her legs she started to run the tub with some cold water to about half way deep. She sat on the cooler as it did to keep from opening it up starting. The wait was the most delicious sort of agony for her as she rubbed her arms and rocked back and forth. Finally she slid her legs over the tub and plunged her sock covered feet into the cold water. The shock was the hit she needed. Not as cold as the stream, but still sharp.

Breathing hard as she sat there, letting the overalls soak up the water, the faded blue going a couple of shades darker she slid herself into the tub and sank to her knees in the water. The feeling of it against her crotch sent extra shivers, the very faint, almost transparent hairs on her arms stood on end and they were lined with gooseflesh. Opening the cooler she scooped out the first two handfuls of the fine ice shavings dumped by the rink and rubbed them over her arms.

A low moan escaped her lips as the stinging sensation of the cold, and the feeling of the melt water dripping along the extra soft skin of the underside of her forearms messed with her head. She was so vanilla, but to find out that the pain from cold was mind blowing for her as she took two more handfuls and dumped them inside her overalls. She bit her lip and screamed as the slushy went over her breasts, her stomach and hips trying to buck the cold water off her as it worked its way down. She threw herself back in the tub and splashed into the water in the tub, sending a sloshing wave over her as the snow melt reached her crotch. Her hand trembling from the cold as her teeth chattered she scooped up more and dumped it on her head, letting it melt, feeling it wetting down her hair and running down her neck. Her head thrashed from side to side as it did, her legs opening and closing of their own accord, sending the cool water washing over her.

Reaching in for another handful she slid it under the overall and rubbed it into her breast, starting to cry from the feeling of the cold on her nipple before sliding the rest between her legs. She moaned again, a faint fuck escaping her breathless lips as she slid her fingers between her legs. Bringing her hand back up she undid the shoulder straps and let the overalls flop forward, exposing her breasts to the air. The shock of the evaporation was more delicious agony for her before she leaned over and giggled as her breasts touched the cold porcelain of the tub. Rubbing her breasts against it she dumped the rapidly melting slush over her back. The sensation of it along her spine making her writhe like a snake. Cartilage snapped and muscles were on fire as she moved in a way she had never moved before for anyone. Candace swayed from side to side, she dragged her fingernails up her arms, she tugged at her own hair, she imagined in that moment someone taking her from behind, hell she didnt care which hole at that point in the fantasies running through her mind.

It soon became a feedback loop of sensation, for every shiver there was a hot flush as she felt herself becoming primal, sexual. She picked up the cooler, now almost empty and shook out every dreg and every drop of ice cold water she could over herself until she felt numb. Sitting there, dripping she just listened to the sound of her pounding heart and shallow breathing, and her teeth chattering

Gently, slowly, fingertips brushing along her cold, wet skin she slid a hand inside her overalls and down over her firm stomach. Continuing down she appreciated the bagginess of the overalls as she felt the wisp of hair between her legs and started to stroke herself under the water. The heat flush making her exhale slowly as she laid back until just her face was above the water and her knees were solidly out of it. Reaching down she let herself slide her fingers down to her ass crack and back again, probing a bit further each time before sliding back up along the slit, never quite entering herself but feeling the heat even in the cool water.

Pressing on her clit she rubbed up and down slowly as she rubbed a breast with her other hand, fingers distributing her moisture along the lips until she dared slide a finger in, then another, then another. Gasping she squeezed herself, fingers on the inside, her thumb on the outside until the tub was full of waves she dunked her head under the water as she climaxed.

Surfacing she lay there panting, teeth chattering, shivering as she continued to touch herself, she realized she did actually need to warm up. Moving the dial to the mid point, she engaged the shower, her dirty blond hair loose and clinging to her neck and shoulders as she sat up, and then she screamed. The warm water was like red hot daggers cutting into her. The hand still between her legs squeezed and she came immediately as the warm shower went over her head and ran down her cold abused body. She was blubbering and practically drooling from this unexpected turn and slid the fingers back inside herself as she sat there, humping herself in the tub to, for her an unprecedented third, and multiple climax, her hand sticky and soaked with her own fluids even under the water as she realized she had actually squirted.

Giggling she looked around. It was as if she was seeing the world through new eyes. Standing up, she let the overalls slide down her body as she embraced the warm water, her hands running over every inch of herself as she looked across at the partially fogged mirror. Reaching up with the fingers that were between her legs she tasted herself, watching herself do it, licking seductively before reaching down and she watched herself masturbate as she stood in the rapidly filling tub. She was tender and sore now but she watched herself, through half open eyes, aware of her grunting as the water ran down her back and between her ass cheeks as she found herself bending forward with the orgasm. Letting herself land with a splash, sending a wave over the tub broke the spell and she scrambled to pull the stopper and let the water run out.

Pulling off the heavy, sodden overalls she sat there, naked in the tub looking up at the mirror, her back against the wall and legs over the side of the tub spread wide as the warm water ran over her. Turning it up she let the hot water wash over her, turning her tanned skin slightly pink as she stroked herself gently for several minutes. Turning off the shower, she put the overalls in the cooler and carried them back into her room. Stepping out of the steam filled bathroom hit her with another cold shock that she felt to her core and for the first time walked around the cabin completely naked and dripping. Gathering a couple of spare beach towels she wiped up the water on the floor and wrung the towels out in the tub before walking naked into the cool, late summer air and putting them over the railing of the deck.

Feeling liberated she made sure everything was in order, grabbed an ice cube from the fridge, clutching it tight in her hand before walking back to the bedroom, sliding in under her covers, turning off the light and started to caress herself with the melting cube