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The highest heart rates in a race for most people, come in the swim. Most folks are not warmed up properly, have not practiced the actual basket of things that get you into this panic, and it is a loop that generates its own death spiral once it starts. Totally agree with this. The water is inherently more dangerous because you can't breathe it. I would add that a lot of triathletes are slaves to their HR monitors, and most of those don't work or aren't practical to check during the swim.
It is also my experience that doing a standalone OW swim event, which is mostly swimmers, will start out at a reasonable pace and build, whereas a mass-start tri everyone is blasting and bumping. To me, this points to a 'triathlete' problem as I have seen the same behavior across choppy and calm, hot and cold water. The approach (poor fitness and/or poor pacing) taken in triathlon likely compounds whatever proclivity the athlete has toward a cardiac event.
However, I'm unaware of many world-class OW swimmers that have died in competition other than Fran Crippen, and I believe that was not attributed (definitively) to a cardiac event, but rather he over heated and maybe passed out, and in the water that is deadly. I've passed out on the run of an Olympic tri and ended up in the hospital for 2 days, simply because I pushed too hard on a surprisingly hot day and literally ran out of juice. The ER doc initially tried to attribute it to a heart condition (without any testing) but it was later determined to be over exertion with a side of rhabdo.
I'm not disputing that there are athletes of various abilities that have died during the swim, but I do think at some point there is a 'fully prepared' ability level and any cause of death is not due to the same panic+cardiac event that we've seen in many tri-swim deaths.
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