The book OG suggested said letting the bag float in the tank is not much good. It doesn't even make the water temps converge, most likely, because the bag is probably right under the light. It also says never dump the bagged water into your tank.
When I use a bucket for new fish to acclimate in, it's not cold, even if it were in the car. It's 80 degrees outside now, and my house is usually the same temp as my tank so there's not much culture shock going from bucket to tank.
Anyway, I got some more cardinals today. The LFS manager said 50% death rate on them wasn't ALL that bad, and that 25 minutes in the bag shouldn't have caused any problems. He acted like with tetras, you got what you got. I kinda wondered if he thought I was hoping for a discount on the 2nd batch, which I wasn't. I just wanted ideas of how to avoid it happening all the time.
Thanks for your help, everyone!