When the water is not ice its warm enough for swimming here in Finland. And when theres ice, people make holes in it,either for fishing or for swimming. Theres an ice swimming club in every town.
In my home town theres a little old lady, over ninety years old, who swims year round.She is really looking younger than many people 10-30 years younger. We have a pump to keep the hole in the ice open for winter swimming in many towns here .
The feeling you get after a swim/dive in really cold water is awesome, you can really feel how blood flows in every tiny vein, and if you are taking only a short dip you get really warm under your skin. Thats what most ice swimmers do,only 5-10 minutes.
It is believed to have many kinds of useful effects on your health in general. Reduces aches and pains and protects from common flu.
With 5mm suit and vest I can stay in 45 minutes ``on the rocks``comfortably,maybe longer,just havent tried longer yet since im such a newbie with a wetsuit (and was afraid of freezing my fingers or toes which are the first parts to suffer from cold).Next winter I will find out.I have 7mmthick mittens and socks.
I have swam and dived in cold waters without a wetsuit all my life.In the beginning of winter, when the sea is not frozen over yet, its nice to take a plunge after working hard and sweating. Then a dry shirt on, and you keep warm since you have stopped the sweating and loss of heat.
For me over 20 is hot,20-16C is warm,15-8 is a bit cool and under 8C is cold.Best temperature for a quick skin dipping is 5-0C. And when the ice is too thick for you to make a hole,its too cold.