For me it would depend on the aircraft and the environmental conditions. I am not putting a GA aircraft in a lake in the dead of winter where I will just freeze to death anyways. GA aircraft are designed to crash at 40 MPH, at least that is what the crash tests are done on.
If you take it in at minimum speed you can crash into just about anything and have a high percentage of walking away. Sure you might be banged up, but you will be alive. So I would get it down as slow as possible and hope for the best.