Hey Willie I live in Portland so I totally get the cold, wet thing you speak of. In fact I won't even go swimming since moving here. The water NEVER gets warm enough for me.
Florida and nothing bad about swimming in Florida.... Hmmmmm.... Let me recall a thing from my past. Last time I was down that way, I was running through the woods and there was an aligator on my path. Good Lord. No thanks. You might be warm in that drink but you might also be aligator bait! I would totally not scull in the waters of Florida either.
This is turning into that game that you play when you are a kid... Okay pick one. How would you choose to die..
Freeze to death in the water in Seattle or be eaten by aligators in Florida?