Do you think that she doesn't like being messed with/manipulated/not in control or do you think the feel of water really bothers her? If it's the later, parents of children with Sensory Integration Disorder seem to find it helpful to use a soft brush to brush the children's body before doing things like putting on shoes. I didn't realize how sensitive my ds was to physical things until he was about your dd's age. It took him a month to transition to short sleeves and pants in the summer, etc.