She had a point. So he simply tucked the towel around her legs. "I'm fine." No he wasn't frozen. Cold but not close to being chilled. He took one of the left over towels and draped over his shoulders, before using the rest to cover her.
Once she was as warm as he could make her, he took up the ores. His strokes were long and quick. He didn't bother with the deck he was making aim for the beach, as it was closer to the cabins. It was her health he worried over.