Degenerate
Contributor
That was my first thought when I read Florida, but I've never been there so don't knowTemps are awful here in the winter. 72-75F down to 120'-150' or so (thermocline varies greatly) and mid-upper 60s below that.
That sounds a lot more like around my neck of the woods, nice and chillyMy guess would be that @grantctobin is answering for the Chicago area. When I lived in the Midwest I would wear that in the winter. Water temps there are in the upper 30s to low 40s F.