Cryptic crossword clue
Reached top of cold water with arms at side 7

The most common and most likely answer to this crossword clue is the 7 letter word CLIMBED

I've seen this crossword clue in The Guardian
C
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Buddy explains!

The straight part
We know that "Reached top of" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case reached top of = climbed.
The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.
This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.

What does CLIMBED mean?

CLIMBED verb
  1. To ascend; rise; to go up.
  2. To mount; to move upwards on.
  3. To scale; to get to the top of something.
  4. To move (especially up and down something) by gripping with the hands and using the feet.
  5. To practise the sport of climbing
  6. To jump high
  7. To move to a higher position on the social ladder.
  8. Of plants, to grow upwards by clinging to something.

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