Knowing what I know about oceanography and water-layer depths (as they pertain to chasing submarines anyway , I would tend to agree with you.
Cold water is more dense than warm water. That cold water requires a certain "breaking force" before anything can penetrate it (think of it as ice...it's the same concept). If the weight of the intermediate line is less than the "breaking force", that line will sit on the layer.
There are circumstances which will permit the line to break through the layer, but I can't see them happening in a lake. It requires a rapid influx of warmer water to float under the layer; and no, taking a whiz in the lake won't make it happen :naughty:
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