On Mon, 31 Oct 2016 16:29:14 -0400, Keyser Soze
wrote:


I got into the water halfway up to my knees at Bodega Bay, north of San
Francisco. Then I got out. I don't know what the temp was, but it was
mighty cold. Too cold for me at Paradise Cove, near LA, and too cold off
a beach in the San Diego area. What good are these oceans if you can't
swim in them, anyway?



"We froze in Santa Cruz in June"


Oh my...we see a number of cruise ship passengers looking like your wife in the fall.
Trick here is to find a good jacket/coat that not only acts like a windbreaker, but resists rain while "breathing".
For heavy rain you need a real rain coat.