I recommend you read some articles on the topics of interest. Use your favorite search engine there are plenty free ones. There you can find for example how hypothermia is defined, the graph with water temperature vs. time of survival, etc. People become "Incoherent" because when the blood cools it becomes thicker and looses some of its ability to carry oxygen, therefore your brain can not function properly.There's nothing else to say. I'm an inexperienced person. "Incoherent." Is that the ultimate limit?
You don't see much advance in the "rescue" area because at the moment technology can't help. We don't have a robot capable of jumping in the water and taking the person out, we don't have nanobots to pump into the victims blood, etc. Someday sure, the humanoid robots you see on TV running marathons today will be able to jump out of a drone and bring the human up. Maybe the robot will be a boat that can dive under the victim and capture him in a pool of water then drain it. Maybe the robot will arrive via hypersonic rocket and fly out by itself, I really don't know what the next innovation will be, but I do know that it won't be tomorrow.
All the innovation you see in the "search" area comes from applying the same old principles to new technology. In WW2 aircrews had a hand cranked radio with a kite to raise the antenna and send a distress signal (search for "Gibson Girl" if you want to see it) now we have PLB's with lithium batteries. In WW2 you needed planes with RDF equipment constantly flying the area, now we have satellites for reception and triangulation.
Back in the day the sailor climbed the mast and looked down to the water to find the person. Then we graduated to planes and helicopters and now drones. We had centimeter and milimetre radar for a while now but humans couldn't discerne a floating body in waves without the help of powerful computers. Same for thermal or optical cameras, without the computing power to do pattern recognition they are useless.
The moral beeing that technology needs to reach a certain level before it can perform a task. Rescue is much more complicated then search because it involves more then computers and sensors, it needs complex microactuation for example and it needs it to function reliably under all conditions. Otherwise the robot could break your arm just by grabbing you, not to mention crushing your chest when applying CPR.