Wimping out

Ok, so tomorrow is the Danskin Tri, and I'm trying to weigh the pros and cons of doing the tri.
Pros:

1. Would feel pride and accomplishment for finishing
2. Would get to see some of the gals from my training team (hopefully)
3. Would not feel guilty for bailing
4. Would get swag and another medal

Cons:

1. The water is going to be between 70-72 degrees and I don't have a wetsuit.
2. Fibro has been acting up after a humid and dreary weather week
3. I have not done anything even remotely like training in over 2 months
4. Did I mention how cold the water will be?
5. Lots of gear to get ready and haven't touched any of it since July
6. I still haven't taken the trek tri sticker off my bike... how sad is that?
7. Could potentially injure myself
8. Very vivid dream last night of me wiping out on the bike and being taken away in an ambulance. Woke up when in the dream I was on the verge of passing out. Omen?
9. It's supposed to rain most of the day today up there... My bike would be out in the rain overnight

Pros of bailing on it:

1. No risk of injury, drowning, death, etc.
2. No potential asthma issues
3. No pneumonia risk
4. No fibro flare up
5. R&R at home over the weekend
6. No trekking back and forth up to Wisconsin.
7. No waking up at 4am to set up my gear in the cold.

Cons of bailing on it:

1. Would feel massive guilt for bailing.
2. No swag (you all know I'm a swag whore)
3. Would feel like a wimp.

I think I have my answer, but could use input from my TriDivas :)