I wouldn't swim when there's ice on the water.

But it is odd, what seems normal to one and strange to another. I've swum in the Caribbean* in November, and had raised eyebrows. In Gozo in March, the locals asked me wasn't I cold? when I went swimming. It was so warm.

So, you know. Mileage varies. :)


*One holiday, when I was ten, which I shall remember fondly forever, and not just because it was my first overseas holiday.