淒
セイ, サイ, すご.む, さむ.い, すご.い, すさ.まじい
bitter cold, miserable, dreary
JLPT0 G13 S0 F5000
As per
妻
# (aligned) +
水
water → aligned torrents/cascades of chilly water → *chilling*; (terribly) *cold*; *dreadful*.
[Full Kanji Etymology List]