In Vermont, ponds and even pools are cool, almost cold, even on the hottest days. Once you’re in and moving, the crisp temperature is all you could ever ask for, but don’t go in one toe at a time.
I have access to outdoor swimming pools and a dozen ponds or reservoirs in two states, so I carry gear in the back seat of the car that lets me swim on a whim. Rubber-soled “lake shoes” keep my feet safe from rocks and muck. If the sun is high, I wear full-length rashers to block UV from my ultra-sensitive skin and wacky immune system. Kids gawk at the sight of an old lady in surfer garb, but I just smile and, on the way out of the water, I comment on how the waves suck at this beach.
Sometimes I don’t even swim, but just go out up to my neck, letting let currents pull me from side to side. If I need to build up strength in my severely arthritic lower body, I cross country ski in the deep stuff, or bicycle back and forth across the pool. Then I do side stroke and back stroke, both very meditative forms of swimming.
My husband loves boats, so we’re drawn to coasts and marinas when we travel. Up here in the mountains, we can always find streams or lakes to play in or photograph, any time of the year, frozen or liquid.
http://www.montereybayaquarium.org/efc/efc_se/se_jellies_mv_blue.html
If you want to swim with the fishes without getting wet, go to the MBA kelp forest exhibit and sway with the water plants and animals to hypnotic music. Try not to go when it’s busy, like we did. Too many people making too much noise, but click on the arrow and enjoy the show anyway. See the shark?
Also, see Cari Shane Parvin's Zen of Swim at http://www.usmsswimmer.com/200511/zenofswim.pdf