You may have them if you're afraid to proceed (4,4)

I believe the answer is:

cold feet

(Other definitions for cold feet that I've seen before include "Loss of courage or confidence" , "Icy extremities for slang fear" , "result of paddling in winter ?" , "Chilly extremities due to fear" , "Loss of nerve" .)

I've seen this clue in the Irish Times (Simplex) and The Irish Times.

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