someone who is cautious to carry out an act
Smally: Lewis what is a toe dipper?
Lewis: well you are a toe dipper smally
Smally: oh
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when someone is too scared to dive in the bath and instead checks the temperature with their toes
Jordan: Dean, is the water of a suitable temperature for me to bathe in yet?
Dean: i dont know jordan, why don't you dip your big toe in and find out?
Jordan: why?
Dean: because you are a toe dipper
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