answer:Seems like there are two associations you need to tackle: coming back from creek = towelling and towelling = bad. Try changing up the routine... take her to the creek, then go for a long walk so she can air dry. Have you tried changing the place where you dry her (dry her outside rather than inside)? Or leaving the towel next to the door when you aren't going to dry her (to disassociate the negative feelings she has for the towel)? Once you can get her to come back inside without problem, you just need to find a way to train her to enjoy (or at least tolerate) the towelling. How does she she react if you just try to towel her when she's dry?