As others have mentioned, many factors here. But at this point it would be unusual for the inside of your home/cottage to get cold enough to cause problems for plumbing that is inside. Not saying it couldn't happen, but the odds/history are in your favor once the lake temps are in the 40's.
But if you have exposed pipes outside/underneath, it may be a bit early.
Before living here full time, we had a seasonal cottage with exposed pipes underneath. We always opened up on Patriots Day weekend (mid-April). In 17 years, never had a problem. But there were a few times when the temps went to the low 20's for a few hours at night in late April when I would worry until I got back and found that all was well.
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