It depends where you are originally from. Honestly we went swimming when no one else would go the last two January's we went. We were the only ones in the Poly pool once and and only a few of two handfuls at the Swan?dolphin pool. For us 60's is fine for swimming and we would wear shorts. Hell it is 48 degrees out and I am wearing a sweatshirt right now. So it really depends on what you are used to! I do always bring a winter outfit for that time of year and what I consider Fall clothing, and a t-shirt or two and a pair or two shorts for a week visit. Does that make sense?