Depends on where you're wondering about. If you're wondering about St Maarten, St Thomas/St John, Grand Cayman, or Cozumel, the water will definitely be warm enough. If you're wondering about Nassau, Key West, or Castaway Cay, it may be a bit chilly depending on your standards of what's too cold. If you're from north of the Mason-Dixon line, you'll probably enjoy it.
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