I swim all year round.... as long as the air temp is above 60. It can be a little chilly when you get out. The operative word is swim.... Floating around on your noodle, being somewhat sedentary, might be chilly. As long as you are actively moving in the water the 82-85 degree temps are comfy.
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Maryland (DC Suburbs) - first 51 years 
The Villages - next 51 years
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