Well then maybe a physics refresher on kinetic energy is needed. Kinetic energy - Wikipedia
The energy to accelerate a mass depends on the mass and rate of change. Which is why jackrabbit starts are less efficient than gradual starts and why trains take a long time to get up to speed. It takes 4x energy to double speed. Once at velocity it takes zero energy to maintain it, absent external forces. In practice, when maintaining you are only accelerating against the frictional drag.
Common sense should tell you that accelerating to a higher velocity AND against friction is greater than simply accelerating against friction alone.
The force you need to apply to maintain the speed is equal to the force from the flow resistance.
To counter the flow resistance, you can either apply a force from swimming (expending more energy), or you can spend your stored kinetic energy and replenish it later. That is not a waste, since you would have to expend energy against the flow resistance in any case. Total energy expended will be the same (assuming the force from the flow resistance was constant, which it is not. It increases with the square of the speed).