A woman is found dead on a boat floating in the middle of a lake at 4:30am. There is blunt force trauma to her head but no other discernable damage. She is approximately 30 pounds overweight. She is wearing thermal clothing and a winter jacket, gloves, and hat. Climatological data indicate it was a clear, cold, and windy night with no precipitation. Calculate the time of death based only on a body temperature of 15.6°C (60.8°F)? Now consider the other factors presented. How would each affect this estimation?